Is the mortgage still in default before 12 that night?

Yes, the mortgage was still in default before 12 that night.

The reason for this is the following：

1. repayment date deadline: usually, the repayment date and specific repayment time are agreed in the mortgage contract. If the repayment date is the same day and the deadline stipulated in the contract is before 12 pm, the repayment after this time will be considered overdue.

2. Definition of overdue: According to the Measures for the Administration of Personal Housing Loans promulgated by China Banking Regulatory Commission (CBIRC), overdue refers to the failure to repay the due principal and interest within the agreed time. Therefore, if the repayment is overdue, even if it is only a few minutes or seconds away, it will be regarded as overdue.

3. Legal liability: overdue repayment may lead to breach of contract, resulting in a series of legal consequences, including but not limited to penalty interest, credit record damage, collection action, and even debt collection.

Summary:

According to the contract, it is very important to repay the loan before 12 on the night of the mortgage. If it fails to repay on time, it will lead to overdue risks and bear corresponding legal responsibilities. It is suggested that the borrower abide by the terms of the contract to ensure timely repayment, so as to avoid unnecessary trouble.

Extended information related to the problem:

The Measures for the Administration of Individual Housing Loans issued by the China Banking Regulatory Commission stipulates various management measures of individual housing loans, including repayment period and overdue treatment. In addition, the specific mortgage contract is also an important legal basis for binding the rights and interests of both parties. It is suggested that the borrower carefully read and understand the terms of the contract when signing the contract to ensure that its repayment behavior conforms to the contract.