In the process, many people rely on loans to pay for the purchase of the house. As one of China ' s largest commercial banks, the China Construction Bank (CBM) provides a wide range of mortgage products that facilitate a wide range of home buyers. However, there are many doubts as to the maximum number of days a building loan can delay repayment. In this paper, we will analyse this issue from several angles。

How many days at most

First, from a contractual point of view, the construction of a bank usually involves a mortgage contract with the borrower, specifying the time and manner of repayment. Under the conventional contract agreement, the lender usually requires repayment of the principal interest on the loan on a fixed monthly date. Delays in repayment by the borrower would give rise to late interest as contracted and could lead to a decline in credit ratings. Therefore, from the contractual point of view, the building loan cannot be arbitrarily delayed。

Second, from a bank policy point of view, the Bank's general provision for mortgages requires borrowers to pay on time. In the case of borrowers with special circumstances, such as an accident or an outbreak of disease, an application may be submitted to the bank for an extension or a short grace period. Banks assess and make decisions on the basis of the borrower. If the application is approved, the borrower may suspend the repayment for a certain period of time. But this should be a case-by-case, not a routine operation。

Thirdly, from a legal point of view, under the Contract Law of the People ' s Republic of China, the borrower should fulfil its repayment obligation in a timely manner in the absence of an agreed repayment time. If the repayment is delayed for an excessive period, the bank may require the borrower to reimburse interest and have the right to terminate the loan contract. There are therefore certain legal limitations to the extension of the construction loan。

Finally, from a risk perspective, construction needs to ensure that loans are recovered normally to reduce their own risk. Frequent delays in repayment by borrowers could lead to a sharp rise in bad debt rates for construction, which could affect the business performance of construction. Therefore, from a risk management point of view, the construction of the bank should have a certain limit on the number of days the loan is delayed。

In the light of the above, the problem of building a mortgage for up to a few days is limited from a number of perspectives, including contracts, banking policies, laws and risks. In general, construction requires timely repayment, and applications may be made in exceptional cases. However, the specific number of days deferred depends on individual circumstances and bank decisions. Therefore, when applying for a building loan, the purchaser needs to pay attention to the contract and bank policy and to communicate with the bank in a timely manner。