Is the mortgage overdue 14 times within five years, and not more than one day, considered as malicious default? (Note) The bank deducted the money before five o'clock in the afternoon, and I deposited

Is the mortgage overdue 14 times within five years, and not more than one day, considered as malicious default? (Note) The bank deducted the money before five o'clock in the afternoon, and I deposited it at night. 1. Yes, the accumulated overdue behavior of 14 times and no more than one day can be considered as malicious arrears.

2.a) The bank stipulates that the money deposited at night will be deducted the next day.

B) Accumulated overdue 14 times, even if each overdue is less than one day, it still shows the behavior of not seriously fulfilling the repayment responsibility.

C) The prompt message sent by the bank indicates that your repayment behavior has attracted the attention of the bank.

3. To sum up, according to the cumulative overdue 14 times but not more than one day, the bank may regard it as malicious arrears.

4. Extended information:

Malicious default refers to the behavior of the borrower who knowingly fails to repay the debt on time, but deliberately evades the repayment responsibility. Banks usually judge whether there is malicious arrears according to the borrower's repayment record and behavior.

5. The feasibility of applying for mortgage loan by ABC needs further consultation with bank staff, who can provide more detailed information and guidance.

Paragraph 1: According to the cumulative overdue of 14 times and no more than one day, this is regarded as malicious arrears.

Paragraph 2: The bank stipulates that the money deposited at night will be deducted the next day. Accumulated overdue 14 times, even if each overdue is less than one day, it still shows the behavior of not seriously fulfilling the repayment responsibility. The prompt information sent by the bank shows that your repayment behavior has attracted attention.

Paragraph 3: To sum up, according to the cumulative overdue 14 times but not more than one day, the bank can be regarded as malicious arrears. The feasibility of re-applying for mortgage loans requires consulting bank staff for more detailed information and guidance.

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