Generally, if the mortgage is overdue for 3 months, the user may be sued by the bank, but the specific situation requires detailed analysis.

First of all, if the user is overdue for more than 3 months, it will be regarded as malicious overdue, and the bank will prepare for prosecution.

During the overdue period, the bank will first send text messages, phone calls, and letter notifications to the user. If the lender still fails to fulfill its repayment obligations, bank credit officers may even come to collect the loan.

If the user still fails to repay after the door-to-door collection, then the bank will enter the prosecution process.

After a bank files a lawsuit, it usually goes through several processes: prosecution, acceptance, trial, and judgment.

The following is the process for bank prosecution.

1. When the bank files a lawsuit with the court, the court will first accept the bank's lawsuit.

2. After the court accepts the case, it will first ask both parties to mediate. Failure to mediate will mean that the mediation fails by default. If the mediation between the two parties is successful, the bank will withdraw the case.

3. After mediation fails, the court will hold a hearing to handle the case, and then the content of the prosecution will be tried.

4. If the user’s mortgage loan is overdue, the user will usually lose the lawsuit, and then the subsequent user will need to repay according to the court’s decision.

After the judgment, if the user still does not repay the loan, the bank can ask the court to auction the mortgaged property in accordance with the loan contract.

The funds obtained from the real estate auction will be used to pay the loan principal, legal fees and auction fees, and the remaining money will be returned to the user by the bank.

If the auction money is insufficient, the user will need to make up the difference.

If the mortgage loan is overdue for more than 3 months, the bank can sue the user regardless of the overdue amount.

You should also pay attention to your personal credit and do not apply for loans blindly. Otherwise, once the big data is used, if you want to apply for a loan again, your comprehensive score will be insufficient and the loan will be rejected. You can obtain a big data report at "Blue Ice Data" to clearly understand your status in online loan big data. This database cooperates with more than 2,000 online loan platforms, and the queried data is relatively accurate and complete.

Extended information:

What will happen if the mortgage is overdue for several months?

The impact of overdue mortgage loans is still many.

1. Overdue records become a stain on the credit report

If the user's mortgage loan is overdue for several consecutive months, the overdue record will directly form a stain on the credit report.

After there are stains in the credit report, you will not be able to handle other credit services in the future.

2. High penalty interest and liquidated damages will be charged

If the mortgage is overdue for several consecutive months, the bank will charge overdue penalty interest based on the number of overdue days, and there will also be overdue mortgage defaults. Users need to pay the deposit, which will increase the user’s repayment burden.

3. Encountering a large number of collections during the overdue period

After the mortgage loan is overdue, the user will encounter a large number of collections, and even relatives and friends around him may also encounter a large number of collections. A large number of collections will seriously affect the user The daily life of myself and my family and friends.

4. If the overdue situation is serious, you will be sued

If the mortgage loan is overdue for more than 3 months, the bank may sue the user.

After being sued, the user's personal credit will be further damaged, and the court will decide. The court will also rule that the user loses the lawsuit. In the end, the user still needs to pay off the overdue debt.

After the mortgage loan is overdue, the user must proactively contact the bank, first explain the reason for the overdue payment to the bank, and then prove that he did not overdue the loan maliciously.

After users proactively contact the bank, they can apply to the bank for negotiated repayment.

Although negotiated repayment has a certain probability of failure, users can try to submit negotiation applications multiple times.

Submitting negotiation applications multiple times can increase the probability of successful negotiation.