The overdue repayment

Respect of leadership:

Hello. Here is my mortgage loans overdue repayment problems do a detailed description of.

A, reasons

I began to buy a house to the Guangdong Development Bank Hangzhou branch mortgage loans in 2005 December, according to the provisions in the 3 monthly repayment before, but I am in the process of repayment is two overdue repayment. One is because the job is busy, forget; one is because of the continuous travel, the repayment time record is 10 per month before.

Two, serious problems

Before also not aware of overdue repayment what major issue, second overdue time, received a bank customer service telephone miss her on the phone, the importance of this matter and I do the communication. Afterwards I search information on overdue repayment on the Internet, we found there are two important questions: 1) directly affects the interest rate level: after the loan is very difficult to get preferential interest rates; 2) bad credit: my personal credit and consumer loans.

Now finally understand small mistake will affect how serious to the future.

Three, avoid measures

Because of the profound understanding, so I pay special attention to the repayment period, and made the following preventive measures:

1) set a reminder, use Outlook to set the monthly repayment on the computer to remind, and did the set in the mobile phone;

2) for one or more months of expenses in the payment card;

A double insurance such, I later in the repayment will no longer appear overdue. The above is my overdue repayment, and some of my understanding and prevention measures. Hope the ICBC leadership and the provident fund loans and the leader can see in my understanding and measures, approved the housing loan me, thank you very much!

                                                        Signature:

Date: 2007-08-28

This is my original, intending to borrow