The mortgage is overdue, and the bank wants to pay it off in full. Now it is necessary to send a text message to repay the loan according to the previous contract. What is the matter?

According to your description, the bank asked you to pay off the overdue mortgage in full, and sent the repayment information by SMS according to the previous contract. The following is a detailed answer to this question:

First of all, in the first paragraph, I will briefly answer the question. The bank requires you to pay off all overdue mortgages, and now the repayment information has been sent according to the previous contract. Next, I will make some detailed explanations in the form of points.

1. The reason why the bank may demand to pay off all overdue funds is due to risk control considerations. If your overdue loan is not repaid in time, the bank may think that there is something wrong with your repayment ability and need to take stricter measures to protect its own interests.

2. Let you repay according to the previous contract, which may be for the convenience of management and follow-up, and it is also in line with the law. According to the loan contract, you may need to repay according to the contract term and amount, and the bank may want you to continue to repay according to the previous contract to ensure the transparency and compliance of repayment.

3. It doesn't mean that you can't try to communicate and negotiate with the bank just because the bank text message mentions repayment according to the previous contract. If there are special circumstances or financial difficulties, you can take the initiative to contact the bank to explain your own situation and ask for an extension, adjustment of repayment plan or other corresponding arrangements. The bank may respond according to your actual situation and provide a reasonable solution.

To sum up, the bank asked you to pay off all overdue payments and sent the repayment information according to the previous contract. This may be due to risk control and compliance management considerations. Although the bank mentioned repayment according to the previous contract, you can still communicate with the bank and try to find a solution. It is important to actively cooperate with banks to avoid further adverse consequences.

Extended data:

In the case of loans overdue, banks usually take a series of measures to protect their own interests and the safety of loan funds. These measures may include demanding full payment of overdue funds, raising interest rates, pursuing legal responsibilities, and taking judicial measures. Therefore, it is very important to deal with overdue loans. I suggest you communicate with the bank in time when you encounter difficulties and make a reasonable repayment plan according to the actual situation.

In addition, according to the relevant laws and regulations of our country, the loan contract between the bank and the borrower is legally binding after being signed by both parties, including the repayment period and the repayment amount. In loans overdue, the bank has the right to require the borrower to repay the loan according to the contract. The borrower's overdue behavior may affect the credit record, and may lead to a decline in the credit rating, which in turn will have an impact on future loans and financial transactions. Therefore, when faced with the loans overdue problem, I suggest that you contact the bank as soon as possible and actively solve the repayment problem to safeguard your credit and financial health.

The above is the answer to your question, I hope it will help you. If you have other related questions, you can continue to consult.