Three days overdue mortgage will have a certain impact on users, and the consequences of overdue mortgage will be more serious. On the one hand, there is no grace period for mortgage repayment, so once it is overdue, it will have a negative impact on the user's credit report, and the overdue record will be directly recorded in the user's credit report, which will affect future loan applications; On the other hand, with the increase of overdue days, banks will charge corresponding interest fees for overdue mortgages, which will increase the repayment pressure of borrowers. In addition, during the overdue repayment of the mortgage, the bank will collect the borrower by SMS or telephone, which may have a certain impact on the normal life of users.

In short, the consequences of overdue mortgage repayment are more serious. Under normal circumstances, after handling the mortgage, users are advised to deposit enough funds in the mortgage repayment account on each repayment date, and the system will automatically deduct the money on the repayment date, effectively avoiding the occurrence of overdue mortgage repayment. Generally speaking, after applying for a mortgage, you still have to repay it on time, not overdue.

Extended data:

How much is the penalty interest for one day overdue mortgage?

If the provident fund is overdue for one day, it will increase by 50% on the basis of the interest rate payable, plus penalty interest. Default interest amount of provident fund loan = overdue principal and interest × default interest rate (annual loan interest rate ÷360 days × 150%)× overdue days. After the provident fund loan is issued, the actual loan issuance date is the normal deduction date every month, and the deduction is made from the designated repayment account every month, so the borrower must deposit enough funds into the repayment account before this date.

In the case of commercial loans, if the grace period is stipulated in the contract, the retention money will not be deducted. If it is found overdue, the lending bank will explain the situation and repay it in time, which will generally not affect the credit record. In order to avoid this from happening again, it is suggested to deposit enough repayment funds in the bank card a few days in advance for repayment.