SMS prompts that the mortgage is insufficient.

Don't worry too much, this kind of information has no consequences.

The banking system is calculated according to the time of the contract content. As long as the receiver doesn't say that he wants to breach the contract, the banking system won't record your credit problems.

If the repayment is overdue, the banking system will automatically generate additional value-added repayment for the late payment fee, that is to say, in addition to the normal deduction, the compound interest generated by the interest during the overdue period will be calculated and repaid together.

When it's over, it won't affect your credit history, and it won't have any consequences. Remember to pay it back in advance next time, not counting compound interest.