If the credit card is not repaid overdue, the bank will seize the mortgaged house under the name of the mortgage user.

1. If the credit card is overdue, high interest and late fees will be incurred.

2. Non-repayment of credit cards will cause personal credit stains.

3. The credit card may be suspended.

4. Malicious credit card arrears will be punished.

Introduction to mortgage housing;

1. It refers to the commercial housing purchased by the previous family through a mortgage and the loan has not been paid off. The main feature of a mortgaged house is that the property rights of the house are mortgaged to the bank, and the property owner is not allowed to sell the house without authorization.

2. Mortgage: It is divided into two forms: legal mortgage and equitable mortgage. Legal mortgage: refers to the transfer of existing real estate to the mortgagee as a guarantee for repayment; righteous mortgage refers to the transfer of future real estate (such as uncompleted properties) to the mortgagee as a guarantee for repayment. The main feature of a mortgaged house is that the property rights of the house are mortgaged to the bank, and the property owner is not allowed to sell the house without authorization. Due to the need for investment or financing, more and more buyers want to transfer mortgaged houses in second-hand housing transactions.

3. Mortgage: It is divided into two forms: legal mortgage and equitable mortgage. Legal mortgage: refers to the transfer of existing real estate to the mortgagee as a guarantee for repayment; righteous mortgage refers to the transfer of future real estate (such as uncompleted properties) to the mortgagee as a guarantee for repayment. The risk of transferring a mortgaged house through remortgage is low, but the transaction cycle is relatively long. It usually takes one to one and a half months to refinance the review period. The transfer procedures can only be completed after passing the review. During the transaction process, bank risks are mainly digested through their own financial service processes and mortgage guarantee institutions. The risks of Shangxiajia are mainly prevented through intermediaries and contractual agreements.

4. First of all, when collecting the signing deposit, the intermediary entrustment contract must stipulate the issues related to remortgage. Secondly, in the preliminary review, the intermediary agency must focus on examining whether the bank can remortgage, whether the next home meets the loan conditions stipulated by the bank, the amount of the next home that needs to be refinanced, and whether the mortgage property rights are clear, etc. Finally, when signing a contract, the liability for breach of contract by the superior and the lower party must be clearly stipulated, and the amount of liquidated damages agreed is generally higher than that in ordinary transactions.