How does China Construction Bank apply for deferred repayment of mortgage?

When applying for deferred repayment, CCB can directly go to the CCB business hall for consultation, show its difficulties, apply for deferred repayment, and wait for the staff's reply; You can also open the application app of China Construction Bank. On the homepage of the application, select Open Sector-Personal Loan Repayment Extension Application, and enter your personal information in the interface. Click Submit to initiate an application for deferred mortgage.

What should I do if the mortgage is not repaid?

1. Apply for extension of loan repayment.

This is a common method. You need to apply to the loan application bank for deferred repayment, which is actually to extend the loan term. If approved by the bank, you can sign an agreement on deferred repayment of personal housing loan and go through relevant formalities, and the guarantor signs an agreement on deferred repayment.

It should be noted that the borrower can only apply for a loan extension once, and the sum of the original loan term and the extension term shall not exceed 30 years at the longest. When the original loan term and extension term reach the new interest rate term grade, the loan interest will be charged at the new term grade interest rate from the date of extension. No longer adjust accrued interest.

2. Transfer the house for sale.

If you really can't afford the remaining loan, you can choose to sell or transfer the house. Before the transfer, you need to obtain the consent of the bank, and then use the proceeds from the transfer and sale to repay the loan; The new purchaser enters into a mortgage contract with the bank, and the new purchaser continues to fulfill the repayment obligation. Although this is not an ideal method, it is much more positive than the bank's solution through auction or litigation, and the economic loss is much smaller.

3. auction property.

You'd better not choose this method unless you have to. After the bank auctions your property, it will only detain the money you owe to the bank, including: unpaid principal+interest+penalty interest, and will refund it to you if it is too much.

How to inquire about mortgage repayment?

1. Log in to personal online banking → click "Branch Function" → inquire about personal loan information (inquire about repayment plan of the current year, inquire about historical repayment records and adjust personal information);

2. Dial telephone banking → press1for individual customers → enter customer number or passbook number or card number → press 7 for personal loan information inquiry.

3. Take my ID card to the credit management office of the local people's bank to inquire and print my credit report. You can query the repayment plan of the year, the record of historical repayment and the adjustment of personal information. Different banks have different rules. For specific inquiry steps, please call the customer service telephone of the handling bank for consultation.