New mortgage policy in 2022, four major consequences of overdue mortgage.

1, bank housing mortgage loans are divided into self-owned housing mortgage loans, and the interest rates of the two loans are different. The interest rate of mortgage loan is usually higher than that of self-owned property;

2. The real interest rates implemented by different regions and different banks are also quite different. However, the actual interest rate is generally based on the benchmark interest rate, and it is carried out by floating a certain proportion, which is roughly within the range of 10%-50%.

3. The benchmark interest rates implemented by this bank are: 4.35% for loans under one year, 4.75% for loans from one to five years, and 4.9% for loans over five years. As for the real interest rate of individual housing mortgage loan, banks will generally determine it according to the borrower's comprehensive qualifications and comprehensive housing situation.

The above is the relevant content of the new mortgage policy in 2022.

Consequences of overdue mortgage

1, the credit information will have a bad record: if the mortgage is overdue, the bank will see the overdue information at the first time, no matter what type of housing loan it is. Even if it is overdue for one day, some strict banks will upload overdue records to the central bank's credit information system;

2. Penalty interest and late payment fee: No matter what causes the overdue, the bank will collect the repayment as soon as possible, and overdue repayment will generate a certain penalty interest. The penalty interest of ordinary banks is 30%-50% higher than the original interest;

3. The court's property preservation measures: there are default clauses set by banks in general housing loan contracts. If there are three or more overdue records, the bank will ask to pay off all the loan principal and interest in one lump sum. If it is overdue for more than 3 months, the bank may bring a lawsuit to the court;

4. Final auction of real estate: If the bank's dunning is unsuccessful, the bank will auction the mortgaged real estate through judicial procedures.

How to remedy the overdue mortgage?

After the mortgage is overdue, if you want to remedy it, users need to pay off the arrears at the first time. If it continues to be overdue, there will always be overdue penalty interest, and because it has not been paid off, overdue records will remain in the credit report, which will cause serious damage to personal credit and affect the handling of credit business in the future. After paying off the arrears, users need to spend time to maintain their own credit, and gradually cover up the old bad credit records by accumulating new excellent records. If there are other credit products under your name, you need to pay attention to form a good habit of paying back on time, and don't be overdue again. Of course, sometimes if the amount owed is large, the user's repayment ability is average, and it may not be paid off in a short time. In this regard, users can take the initiative to contact the loan handling banks (lending institutions, platforms) to negotiate, explain the situation that individuals do not have the ability to repay, and provide relative proof materials, and then apply for deferred repayment. This article mainly aims at the knowledge points related to the new mortgage policy in 2022, and the content is for reference only.