The bank didn't send a text message to remind you how to solve the mortgage one day later.

Require the original borrowing bank to issue a non-malicious overdue certificate.

Overdue due to bank reasons. For example, if there is a problem with the bank repayment system, resulting in the repayment not arriving immediately, or if the monthly payment increases after the interest adjustment, but the bank fails to fulfill the notification obligation, then the applicant may ask the original borrowing bank to issue a non-malicious overdue certificate.