1. Replenish the loan repayment funds as soon as possible to avoid overdue.
As long as the loan is repaid before 24 o'clock on the mortgage repayment date, it is not overdue and will not have a negative impact.
However, if the time is too late, the bank may not automatically deduct the money and need to repay it manually.
2. Negotiate with the bank to postpone repayment.
Mortgage can be negotiated for repayment. When you encounter some objective circumstances that make it impossible to repay temporarily, you can try to contact the bank to explain the situation and apply for deferred repayment.
However, if you want to apply to the bank for deferred repayment, you may need to apply to the bank in advance, because it takes some time for the bank to approve. If you apply again on the repayment date, it may be too late, and the bank may not approve it, which may lead to overdue mortgage.
If you miss the repayment date of the mortgage, you will bear the following consequences: 1, and the credit report will be hurt.
The bank will report the overdue situation to the credit investigation, and once it leaves a stain on the credit investigation, it will affect the future credit activities.
It will be collected by the bank.
After the deadline, the bank will definitely call for payment, and will call or text message to call for repayment.
3. The penalty interest will be calculated by the bank.
If the mortgage is overdue, there will be overdue penalty interest, calculated on a daily basis. The longer the overdue period, the more penalty interest will be generated.
4. The mortgage contract can be terminated in advance.
If there is a serious overdue behavior, the bank will cancel the loan contract according to the loan contract and demand to repay the mortgage in advance.
5. Dispose of mortgaged property according to regulations.
If the bank can't repay the loan after terminating the mortgage in advance, then the bank will dispose of the property according to the regulations.
Therefore, we must keep a good repayment record when repaying the mortgage, otherwise we will bear more serious consequences.
You can click Query in "Sixi Data" and enter information to query your credit data. The query results will show important data information such as personal credit status, network black index score, blacklist, online loan application record, application platform type, overdue, overdue amount, credit card, estimated online loan credit amount, etc.
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Can I apply for other loans during the mortgage application period?
You can apply for other loans during the mortgage application period, and the bank has not clearly stipulated that it is forbidden to apply for other loans during the mortgage application period.
1. As long as the applicant's personal credit remains good and provides sufficient economic income data to prove that he has the ability to repay the loan principal and interest on time, the mortgage will generally be successfully approved and will not be directly rejected by the bank just because he applied for other loans.
2. If it is not in urgent need of funds, it is actually better to apply for a new loan after the mortgage is successful. After all, if you apply for other loans at the same time, you will also leave information on the credit report. If you apply for too many loans at the same time, I'm afraid there will be suspicion of multiple loans, and the bank will suspect that applying for other loans is to repay the mortgage in the future, so the bank may refuse to approve the loan for fear of unstable economic life and insufficient repayment ability.
And if there is a demand for funds, during the mortgage application period, if you must apply for other loans, you can choose online loans. After all, some online loans are not connected to the central bank's credit information.
Of course, it is recommended not to apply for too many loans at the same time, otherwise the repayment pressure will be greater after handling.