The supply will be cut off for 3 months.

Generally, mortgage payments must be cut off for more than 6 months. According to bank regulations, if it is the first time the mortgage payment is cut off, the bank will first remind you by phone or text message. . However, if the payment is interrupted for more than three consecutive times, the bank's account manager will call directly to urge the payment of fees, and penalty interest will be imposed. But if the cumulative number of suspensions is more than 6 times, then the bank's lawyers will communicate directly by phone. If the communication is ineffective, the bank will usually go through legal procedures. After the appeal, the court will directly The house is auctioned, so after applying for a mortgage, it is necessary to maintain a stable income as much as possible.

When affected by the epidemic, you can apply for an extension if your mortgage payment is cut off, and it will not affect your personal credit score. Affected by the epidemic, the income of all walks of life is relatively unstable, and you will encounter difficulties in mortgage repayment. You can apply to the bank for an extension or a reduction in loan interest rates. Most banks will agree to applications submitted by individuals who meet the relevant conditions. , you can also enjoy the caring policy. It is best not to carry it alone when you have financial difficulties, causing the mortgage to be overdue and affecting your personal credit score. You can transfer it with your family, or apply for an extension from the bank.

Legal basis:

Article 71 of the "General Principles of Loans"

If the borrower has any of the following circumstances, the lender shall lend him part or all of the loan Additional interest will be charged; if the circumstances are particularly serious, the lender will stop paying the borrower's unused loan and withdraw part or all of the loan in advance:

1. Failure to use the loan according to the purpose specified in the loan contract.

2. Using loans to make equity investments.

3. Using loans to engage in speculative operations in securities, futures, etc.

4. A borrower who has not obtained the qualification to operate real estate in accordance with the law uses the loan to engage in real estate business; a borrower who has obtained the qualification to operate real estate in accordance with the law uses the loan to engage in real estate speculation.

5. Failure to repay the principal and interest of the loan as stipulated in the loan contract.

6. Extracting loans and borrowing from each other to obtain illegal income.