To apply for deferred repayment of mortgage, you can call the bank staff, the customer service staff will register the information, and then hand it over to the back-office management unit or the business manager of the mortgage business outlet. Customers can also apply for extension directly at the bank outlet. In view of the special circumstances that users cannot apply in advance, such as intensive care unit patients or inpatients, some banks will also accept supplementary applications after a period of time. After the application, special treatments such as reducing overdue interest and restoring credit information during the epidemic can be carried out. The above is how to apply for deferred repayment of mortgage.

What are the factors that affect mortgage?

1. Income: Income is the reference factor for banks to accept loans. Applicants also need to provide proof of personal income to the bank. Therefore, income is one of the important factors affecting loans. Therefore, the income is relatively high, and the possibility of successful loans will also increase. If the income is not optimistic, the loan application may be rejected, so you need to know the income before applying;

2. Credit status: Credit status cannot be ignored when handling loans. If the applicant deliberately defaults on credit card repayment or has a bad credit record, the bank will think that the applicant is not qualified to apply for a loan, so the loan will not be issued. Therefore, users need to ensure that they have no bad credit records;

3. Housing age: Housing age is also closely related to loan processing. If the house is too old, the bank may not pass the applicant's loan request. For second-hand houses, the age of the second-hand house plus the loan period cannot exceed 30 years, so the older the house is, the shorter the loan period will be. However, it should be noted that the loan time is not only based on the age of the house, but also depends on the use value of the house and other factors.

Is there a grace period for mortgage loans?

Mortgage loans have a grace period. The grace period for housing loans is generally three days (different banks may have different requirements, so you can actually contact online customer service). Repayment immediately within the repayment period can avoid paying overdue interest and will not affect personal credit information. If the repayment is made outside the grace period, it will not only affect the personal credit information and the calculation of overdue interest. If loans overdue lasts a long time, the bank will also initiate judicial proceedings, and then the property will be forcibly auctioned and the account may be frozen. This article is mainly about how to apply for deferred repayment of mortgage, and the content is for reference only.