2. If the balance in the bank repayment bank card is zero, the system will not be able to directly deduct money, and the lender needs to deposit enough money into the repayment bank card in time to ensure the success of automatic deduction next time. Otherwise, the insufficient deduction on the repayment date is overdue, and the lender needs to go to the repayment bank to make repayment and eliminate the debt record.
Matters needing attention in mortgage repayment
1. If the repayment period is over half, the borrower does not need to rush to repay in advance, because the principal accounts for a large proportion of the current monthly repayment amount, and interest cannot be saved by repaying in advance at this time.
2. If the borrower's mortgage interest rate is lower than that of deposit interest rate, there is no need to rush to repay in advance, and you can deposit your money in the bank to get more income.
3. If the borrower has a good investment project and the investment return rate is higher than the loan interest rate, there is no need to repay the loan in advance.
Influence of overdue mortgage loan
1, the credit information is damaged, and the loan is difficult.
Loan is a loan relationship between the buyer and the bank. Once the buyer's mortgage is overdue, the bank's repayment record will show the corresponding loans overdue record. In the bank's credit information system, the lender's dishonesty will be recorded online, and it will be extremely difficult for the lender to apply for a loan again or a credit card and other situations that need to use personal credit.
Need to remind everyone that even if the mortgage is overdue, personal credit stains will still be recorded in the bank credit information system for up to five years.
2. Pay penalty interest and overdue fine.
In any case, the money owed to others will be paid back after all. In addition to the basic loan, the overdue person has to pay the penalty interest and late payment fee generated by the overdue mortgage.
Regarding the specific amount and proportion of penalty interest and late payment fee, banks are slightly different. Basically make up the mortgage within 7 days, and do not charge late fees; If it is more than 7 days, the late payment fee and penalty interest will be collected together.
3. After being sued by the bank, it is still necessary to repay the remaining loans.
When buying a house, the buyer will sign a house loan contract with the bank. In the contract, the bank will generally stipulate that the lender will bear the corresponding liability for breach of contract if it fails to repay the loan for three consecutive times or six times in total, including repaying all the loan principal and interest in one lump sum. If the remaining loan is not paid back for more than three months, the bank will bring a lawsuit to the court to force the lender to repay the principal and interest, as well as the litigation costs and other extra expenses arising therefrom.
Step 4 auction the house
If the bank fails to negotiate with the borrower or the lender refuses to repay the principal, interest and legal fees, the bank will auction the mortgaged property through legal procedures, that is, auction the house according to law.
5. Life is affected and travel is restricted.
When personal loans rise to the level of legal proceedings, the situation will become very serious, not only facing the risk of repayment, fines, dishonesty, but also affecting your daily life. For example, if you buy a train ticket, your plane ticket may be rejected and you cannot go abroad. And will be blacklisted. In this era, without credit, it is really difficult to move.