Can I apply for deferred repayment of bank mortgage?

Mortgage can apply for deferred repayment, and the bank has relevant regulations. Only borrowers who meet the following conditions can apply for deferred repayment of mortgage.

1. There are many cases where borrowers lose their financial resources due to objective factors. If the borrower loses his financial resources by voluntarily resigning or not taking part in the work, the bank will not agree to postpone the mortgage.

It must be a relatively objective factor that causes the borrower to lose his financial resources before he can apply for deferred repayment of the mortgage.

For example, the borrower's enterprise is not well managed and suddenly laid off employees on a large scale; The borrower suffered from natural disasters, suffered heavy losses and was unable to repay.

2. Special occupation If the borrower is engaged in a special occupation, such as special police, etc., it may not be able to repay the loan in time, and you can directly apply for deferred repayment of the mortgage.

In some special industries, wages are unstable and may even be settled once every two or three years. In this case, the bank will also allow the borrower to change the repayment method or apply for deferred repayment several times.

3. Hospitalization for serious illness or objective isolation If the borrower is hospitalized for serious illness due to some factors, he can directly go to the hospital to issue relevant certificates, and then submit them to the bank to apply for deferred repayment of the mortgage.

According to the regulations, seriously ill hospitalization, loss of working ability, etc. Are all force majeure factors of the third party. When applying for deferred repayment, the possibility of bank refusal is very low.

4. Enterprise Bankruptcy If the enterprise operated by the borrower goes bankrupt, the available working capital has been forcibly frozen by the bank, and you can also directly apply for deferred repayment of the mortgage.

However, even if you can apply for deferred repayment, you need to pay attention to the following aspects. First, you can only apply for deferred repayment once. Secondly, the time of deferred repayment should not be too long, and the sum of it and the original loan term should not exceed 30 years. Pay attention when applying.

Generally speaking, there is no grace period for mortgage loans. Unless there are special circumstances, the repayment time cannot be extended, otherwise it will have an adverse impact on personal credit information. If there are too many overdue times, the bank may ask to settle the loan in advance, and the consequences will be more serious.

If you don't know your online loan application, you can try to get the big data report of "103 data", check your detailed loan record, and then confirm that you borrowed the money yourself. At this time, you should pay off all the money you owe, and then contact the customer service of the corresponding platform to let them handle it and see if the blacklist of online loans can be eliminated.

Extended data:

What are the conditions and requirements for commercial housing loans?

The requirements for personal commercial housing loans mainly include the following points.

1. The borrower must be at least 18 years old and have full capacity for civil conduct; Moreover, the borrower's age plus the loan period is generally not more than 65 years old (some banks are relaxed to 70 years old, subject to the regulations for handling branches).

2, have a legitimate occupation and a stable and legitimate source of economic income, with the ability to repay the loan principal and interest on schedule.

3. Personal credit is good, and there is no bad record or serious negative information in the credit report.

4. The purchased houses have clear property rights (such as relocated houses, resettlement houses, small property houses and other second-hand houses with incomplete property rights certificates cannot be loaned).

5. The age of the house (the completion period of the property) should not be too old, generally the longest is not more than 20 years, and the loan period plus the age of the mortgaged property should not exceed 40 years in principle.

6. Self-raised funds not less than 30% of the house price are available to pay the down payment.

Generally meet the above conditions, you can successfully apply for a mortgage. Of course, it should also be noted that it is best not to apply for other loans when applying for a mortgage, and there should not be too many outstanding loans under your name, otherwise high debt will also affect the mortgage approval.