What will happen if Everbright mortgage is overdue for one day?

1. First of all, the repayment must be made immediately. Generally banks will have a grace period. If it is overdue for one or two days, you can inform the bank and explain the situation. If it is repaid within the grace period, it will not affect personal credit information.

2. For banks without grace period, they should also repay as soon as possible, and it is best to inform the bank to deduct money after repayment. Generally, one or two short-term overdue will not affect the credit investigation. The most important measure for a mortgage overdue for one day is to repay it immediately. You can communicate with the bank staff on the overdue issue by telephone.

Usually the bank will have a certain grace period to repay the loan after one day. If the loan bank that the borrower applies for has a grace period, the borrower can notify the bank, explain the special reasons, apply for a grace period, and repay the loan within the grace period, and the personal credit record will not be affected.

If the deduction amount of your loan on the same day is insufficient or you miss the deduction time, you can repay it in the following ways:

1. Deposit the outstanding funds into the repayment account in full, and wait for the system to automatically make up the deduction every day (excluding withholding provident fund loans from China Merchants Bank, car purchase loans and loans from other loan companies);

2. Self-help overdue repayment through online banking, mobile banking and other channels after depositing enough funds (provident fund loans, bank loans, discount loans, mortgage loans, loans marked "mortgage repayment" and loans overdue for more than 90 days cannot be repaid in this way).

Control loans overdue: The customer qualification will be preliminarily examined by the review post.

1. As the first line of defense for loan risk, the review post should pay attention to the acceptance process and be vigilant. Examining the completeness, completeness and compliance of the application materials submitted by the applicant; Whether the applicant's subject qualification meets the relevant business requirements of our bank and whether there is a bad credit record.

2. Whether the loan purpose is in line with our credit policy and whether it is specific; Whether the loan investigation report is complete, whether the calculation of key financial indicators is accurate, whether the obtained data is cross-verified, whether the customer credit rating table is reasonable, and whether the suggestions in the investigation report are reasonable.

3. Verify the borrower's information by telephone to ensure that the guarantor of the loan understands its guarantee responsibility and whether the team members of the joint guarantee loan understand its joint liability. The unqualified business is returned to the loan officer, and the loan officer supplements the corresponding materials or refuses to lend according to the examination opinions.

It's okay to hand it in one day late once in a while. Pay attention to prepayment to prevent credit from being affected. The impact is not great, and there will be no bad credit record. It usually takes seven years to eliminate bad credit records.

5. According to the different regulations of different banks, if most individual housing loans are not repaid in full and on time on the "deduction date", overdue records will be generated, which will be uniformly recorded by the central bank to the credit information system. If it is overdue, it will default interest and compound interest. From the date when the loan should be repaid, the system will repay the overdue loan principal and interest in installments in the order of overdue time (in the order of compound interest, default interest, outstanding interest receivable and overdue principal). If the mortgage is overdue for many times, the bank may collect the overdue loans for many times and record the bad credit, and the later loan and credit card business will be restricted.

6. The overdue records in the credit information system of the People's Bank of China cannot be eliminated. Credit records have a mutual updating process, if a record is updated for seven years. It used to be five years, but now it's seven years.

7. If you have indelible records in the system of the People's Bank of China, you can only pay attention to the repayment time in the process of using the card and credit in the future, and don't delay it casually. Moreover, the current credit record will have a bad record if it is overdue for one day.

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