What about the house, loans overdue?
There are three types of overdue: overdue within one month, overdue caused by false information, and overdue for more than three months. The specific measures that users should take are as follows:
1. If the overdue period is less than one month, take the initiative to call the bank to explain the reasons and ask the bank to issue a non-malicious overdue certificate. With the non-malicious overdue certificate, future loan applications will not be affected.
2. If the information is false and overdue, you can go to the local people's bank to raise an objection, and you can get the result within 15 working days from the date of initiation. If the bad record is eliminated, you can apply for a loan immediately.
3. If the record is overdue for more than three months, the principal and overdue fine shall be paid. Good credit habits must be maintained on the repayment date. If the credit card is overdue, do not cancel it. You need to wait two years before buying a house, or you can buy a house without taking out a loan in your own name.
Influence of overdue mortgage
1, resulting in penalty interest.
Every bank has different regulations on mortgage, but if the buyer fails to repay the loan in time, the lending institution will first collect the loan to remind the buyer to repay the loan in time, and the interest rate will rise, which is the daily penalty interest.
2. Personal credit information is damaged
If the buyers have overdue mortgages, the credit information will definitely be damaged. The bank will see the credit information of the lender. If it is a strict bank, even if it is only one day overdue, the bank will enter the overdue information into the central bank's credit information system. If the overdue repayment record enters the credit information system, it will have a serious impact on the future application of credit cards or loans by property buyers. Even if they can get a loan, the loan amount will be greatly reduced.
3. Freeze funds
After the mortgage is overdue, the bank will urge the buyers to collect the loan according to law. If the buyer can't make up the loan, according to the loan contract and guarantee contract (mortgage or pledge contract), the bank will sue the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and loan guarantor and sealing up the pledged property.
4. The property is auctioned.
When a homebuyer applies for a mortgage loan, he mortgages the house he bought to the bank. If there are many overdue repayments or even repeated non-repayments, the bank will auction and sell the secured property in public. The proceeds from the auction will first be used to repay the remaining loans that the lender has not returned to the bank. If there is any balance, the balance will be returned to the lender.