The problem of mortgages overdue six times a year for several days each time is a problem that is often encountered by a large number of home buyers in the repayment process. In general, mortgages that are overdue are affected by the corresponding fines and credits, while multiple delays impose a significant burden on daily life and even risk being cancelled by banks. So, we need to analyse the problem of overpayment in several ways。

Six mortgages a year, how many days

I. What are the effects of multiple overdues

In the case of non-compliance with the mortgage, the bank collects interest rates in accordance with the terms of the loan contract. This also means not only the payment of arrears, but also the payment of additional interest and late payments, with considerable economic losses. At the same time, banks report default information to the letter system, thereby affecting the credit ratings and credit records of individuals. This would not only make it difficult for individuals to obtain approval for loans, credit cards, etc., but would also have a negative impact on their public credit records. Thus, there is a risk of affecting our daily lives and our future lending schemes。

II. What is the family burden

Difficulties at work and in life often have a negative impact on the family. The economic difficulties caused by the six-day delays in mortgages each year will have a considerable impact on the family ' s financial situation, day-to-day expenditure and plans. Moreover, if the delay is more severe, it may have a negative impact on the normal life of the family and the education of the child。

III. How to avoid overpayment

In cases where the loan has been overdue several times, we can consider the following ways to avoid it:

1. A repayment plan is prepared in advance and the date of payment is indicated and reminded to avoid forgetting the repayment。

2. Subject to good credit, banks may apply for loans in appropriate quantities to spread their repayment burden among different banks in order to reduce risk。

3. For loans with higher overdue risk, additional means such as insurance may be chosen to avoid the risk of the loan and to provide a buffer。

4. If the loan is overdue due to factors such as cost of living, other liabilities, consideration may be given to applying to the bank for an extension or to adjusting the repayment plan so as not to affect the personal credit record。

In short, we need to take this issue seriously and to respond positively to the issue of several days of housing arrears. Active prevention in such areas as proper repayment plans, sound planning of early repayments, strict control of liabilities, and a positive response in the event of a delay, constantly raising their credit ratings and financial position。