How to apply for deferred repayment of ICBC loan

1. How to apply for deferred repayment of ICBC loans?

Call your loan bank directly. I have consulted and said that it will be postponed for one month and will be returned together in two months next month. Isn't this a dressing change? Who will slow down if you have money? If you can't pay it back in a month, how can you pay it back together in two months next month?

Second, how to apply for loan deferred repayment?

1. For counter application, first prepare and bring your ID card, and the staff will submit the loan application. Finally, with the help of the staff,

Second, the customer service telephone application, first call the service phone, then connect the phone, then apply to the staff for deferred repayment, and finally provide the ID card.

Loan is a form of credit activity for banks or other financial institutions under certain conditions such as interest rate and repayment. Overdraft and other loan funds in a broad sense. Banks can put centralized money and monetary funds in the form of loans, which can promote economic development as needed, and at the same time, banks can increase their own accumulation.

Loan target: people aged 18 to 60 with full civil rights.

Loan amount: After the borrower provides CCB with certain credit qualification, the bank will verify the borrower's corresponding pledge amount, mortgage amount, guarantee amount or credit amount. The amount pledged shall not exceed 70% of 90% of the loan face value; The credit line and guarantee line are determined according to the borrower's credit rating.

Guarantee method: mortgage, pledge, third-party guarantee or credit granted by CCB.

3. How to apply for deferred repayment?

Step/Mode 1

Counter application: the borrower can bring his ID card and loan contract to the business hall of the lending institution, submit an application for deferred repayment to the staff, and present relevant information as required so as to handle it with their help.

Step/Mode 2

Customer service telephone application: the borrower can call the customer service telephone of the lending institution, and then connect the manual service according to the prompt, and then apply to the staff for deferred repayment, and then provide the ID number, loan contract number, etc.

4. How to apply for deferred repayment of bank loans?

Counter application _ go to the business hall of the lending institution with ID card and loan contract _ submit the loan deferred repayment application to the staff; Generate relevant information according to process requirements; Finally, it can be handled with the help of the staff. Customer service telephone application: call the customer service telephone of the lending institution; After connecting the phone, connect the manual service according to the prompt _ and then apply to the staff for deferred repayment: provide the ID number and loan contract number for processing. : 1. What are the consequences of overdue mortgage repayment? 1. Bad personal credit record Once the mortgage is overdue, the loan bank can see your overdue repayment record whether it is a commercial loan or a provident fund loan. If it is a strict bank, even if you are only one day overdue, the bank will enter the overdue information into the central bank's credit information system. Once the overdue records enter the credit information system, it will have a serious impact on everyone's future application for credit cards or loans. Even if the loan can be obtained, the loan amount will be greatly reduced. 2. There will be penalty interest and late payment. If the mortgage is overdue, the bank will call or SMS to remind the borrower to repay. There will be a penalty interest for overdue repayment. The penalty interest of different loan banks is different, which is basically 30%-50% higher than the original loan interest rate. Generally speaking, the bank will give you seven days to make up the arrears. If all the repayable funds can be made up within seven days, there will be no late payment fee. But after 7 days, the bank will charge a penalty interest and a late fee together. 3. Seal up the mortgaged property. Risk banks generally set default clauses in mortgage contracts. If the repayment is overdue for three or six times in a row, the borrower is required to repay all the loan principal and interest in one lump sum. If the home buyer's mortgage is overdue for more than 3 months, the bank will file a lawsuit according to the loan contract and guarantee contract. Measures such as property preservation will be taken to freeze the deposits in all bank accounts of lenders and guarantors, and the pledged property will be sealed up. Second, how to solve the problem of overdue mortgage 1, and extend the loan term. If there is an accident and you can't repay the loan on time, you can apply to the bank for extending the loan term. For the extension time, the bank also has regulations: the extension period of short-term loans shall not exceed the original loan period; The extension of the medium-term loan cannot exceed half of the original loan term; Long-term loans shall not be extended for more than three years. 2. Apply for deferred repayment. If the buyer cannot repay the loan on time for other reasons, he shall apply to the loan bank for extension one month in advance. After the bank verifies that it is correct, it will appropriately extend the mortgage term and reduce the monthly payment. Many banks can apply for mortgage loans. When the borrower is unable to repay the loan, he can temporarily explain the situation to the bank and apply for deferred repayment. The extension period can be decided by the borrower himself, but it cannot exceed the maximum period stipulated by his bank. Usually, the extension can only be applied once or twice. 3. Seek help from relatives and friends. If you really don't have enough funds to repay the loan, you can ask your relatives and friends to help you solve the dilemma temporarily, and then pay it back when you have money, so as not to default on the mortgage as much as possible.