What should I do if I save a few cents less for my mortgage loan? When a borrower discovers that a few cents or a few yuan has been deducted from his mortgage payment, he can promptly find the bank customer service to explain the situation and inform them that he did not overdue the loan maliciously. The lender can then apply to the bank for a non-malicious overdue certificate. If the bank agrees to issue it, the lender can then bring the non-malicious overdue certificate to the People's Bank of China Credit Center to correct the record. If the bank does not agree to issue a non-malicious overdue certificate, the lender can also first check whether the Shendai Bank has a tolerance for mortgage repayment. If there is a tolerance, just make it up later. If there is time, additional deductions will not be considered overdue. The so-called time tolerance means that the bank allows the lender to allow the actual repayment amount to differ from the monthly payment by a certain amount when the repayment date arrives, or to repay the loan 1-2 days later after the repayment date arrives. If the user is really anxious, he or she can contact the lending bank directly and choose to repay the loan proactively. The bank will provide a repayment account to the user, and the user can also transfer funds to the repayment account.
Is it considered overdue if the mortgage loan is deducted the next day? In most cases, bank mortgages do not have a grace period for repayment. As long as the payment is made on the second day of the repayment date, the user will be considered overdue. Therefore, after the system fails to debit the loan on the repayment date, the user must proactively contact the mortgage lending bank and ask customer service to provide the mortgage repayment account. The user can choose to actively repay, so as to avoid overdue repayment. The above is the sharing of relevant content about "What to do if you save a few cents less for your mortgage loan". I hope it can help everyone!