How to apply for a mortgage extension

After applying for a mortgage, if you still cannot pay it back and want to extend the repayment period, you can first call the customer service hotline of the loan handling bank and call ext. Through the manual service channel, submit an application for delayed repayment to the customer service staff, and then submit an application for delayed mortgage repayment to the bank, explaining the reasons why you want to apply for delayed repayment.

For example, if it is because you do not have the ability to repay at the moment, then you should clearly explain your inability to repay, and then provide relevant information to support it. For example, if you have no ability to repay due to unemployment, you can provide Unemployment certificate or agreement to terminate the employment contract.

After explaining the reasons why you want to apply for delayed repayment, express your willingness to actively repay, and then propose a future repayment plan.

After that, just wait for the bank staff to review the individual. After the bank conducts the review, the bank will consider customers with good credit and current difficulty in repaying the loan. If the bank agrees, then the customer can negotiate a new repayment plan with the bank, and then repay the loan on time according to the new repayment plan. How to apply for deferred repayment of mortgage loan

1. How to apply for deferred repayment of mortgage loan?

To apply for deferred repayment of mortgage loan, you can call the bank staff, and the customer service staff will register the information, and then Leave it to the back-end department or the account manager of the customer's mortgage loan branch for follow-up; housing mortgage customers can also directly call the branch where the business is handled to apply.

For those who cannot apply in advance under special circumstances, such as patients in intensive care or hospitalized, some banks will also accept subsequent reissue within a certain time range. After application, the loan penalty interest during the epidemic prevention and control period can be reduced or reduced. , restoration of credit reporting and other special treatments. (Those who have submitted credit reports can be adjusted)

The "Notice on Further Strengthening Financial Support to Prevent and Control the New Coronavirus Infection Pneumonia Epidemic" provides appropriate preference and flexibility in credit policies for the following four categories of personnel: Adjust the repayment arrangements for personal loans such as housing mortgages and credit cards, and reasonably postpone the repayment period:

The first category, people who are hospitalized or quarantined due to infection with new pneumonia;

The second category , those who need to be quarantined for epidemic prevention and control;

The third category, those who participate in epidemic prevention and control;

The fourth category, those who have temporarily lost their source of income due to the impact of the epidemic. How can I defer mortgage payments?

If the customer encounters some objective circumstances that severely impact their income, they can apply to the bank for an extension of mortgage repayment. Of course, this requires bank approval. If the customer does not encounter objective circumstances, In this case, it is not possible to defer mortgage payments.

When applying for mortgage loan deferment, customers need to provide the bank with the following information:

1. Personal credit report.

2. Unemployment certificate.

3. Proof of income difficulties.

4. Proof of personal assets.

5. Application for deferment of loan repayment.

The bank will carefully examine the customer's qualifications. If it does encounter objective problems, you can apply for a deferment of repayment if you have practical difficulties, and the bank will also agree to the customer's request.

Of course, before the bank approval is officially passed, the customer still has to be prepared to repay the loan on time. You can borrow money from relatives and friends to repay the loan. In short, you should try your best to avoid overdue housing loans, because After the mortgage loan is overdue, it will have a great impact on the customer's credit report. At the same time, the bank will charge penalty interest, which will increase the customer's debt pressure.