Personal settlement account refers to a personal special account used to handle various payment and settlement businesses such as transfer and remittance, credit card consumption, investment and loans. According to the unified regulations of the People's Bank of China (Measures for the Administration of RMB Bank Settlement Accounts, Order No.5 of the People's Bank of China, 2003), individual bank settlement accounts refer to RMB demand deposit accounts opened by individual customers in the name of natural persons with their valid identity documents for the settlement of funds.
Reply time: 2022-0 1-30. Please refer to the latest business changes announced by Ping An Bank in official website.
Who knows what a mortgage repayment card is?
The bank's loan repayment card is actually an ordinary savings card, just because you have a mortgage loan in the bank, which is bound to the savings card and deducted on time every month. It is no different from ordinary savings cards and can be used for daily storage.
When the bank lends money, it will give you a loan contract. The contract stipulates which day of each month is the deduction date, and you need to deposit more than or equal to the monthly repayment amount before the deduction date. The bank withdraws a certain amount of money from the card at some time every month to pay back the money you borrowed from the bank when you bought a house, which is similar to the nature of paying water and electricity bills. You can use it as a savings card, as long as you ensure that there is a monthly payment in the card that you usually pay back every month. The bank will withdraw the monthly payment from your card every month! That's the monthly repayment!
If you apply for a provident fund loan from the provident fund, what is generally used to repay the mortgage is your provident fund co-branded card, which is the card that your unit handled when you paid the provident fund.
Application materials generally required for loan application: 1. Identification materials II. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc. 3. Proof of local residence: fixed telephone bill for any three months in the last year, or water and electricity bill, or other materials that can prove the address. 4. Guarantee certification materials 5. Proof of use: such as car loan, full payment is provided before the loan is issued. After the loan is issued, the full car purchase invoice (if not provided before the loan is issued) and the vehicle purchase tax payment certificate must be provided. 6. Proof of repayment ability: our payroll customers can directly provide their payroll account flow; If you need to provide other information about this loan, such as social security account running water or personal tax bill, the handling bank will also inform you in time, and you can also confirm these information in detail through the handling bank when applying for the loan.
What is a mortgage card?
Mortgage card is not a credit card, because credit card can't be used to repay mortgage. Paying off the mortgage with a credit card is equivalent to using the bank's money, which is not allowed by the bank. A mortgage card is a savings card. The borrower will deposit the monthly repayment amount into the savings card, and the bank will deduct it from the savings card on the repayment date of the current month for repayment.
Time deposit is a deposit in which the bank and the depositor agree on the term and interest rate in advance and withdraw the principal and interest after maturity. It has the characteristics of minimum deposit period of 3 months, maximum deposit period of 5 years, wide choice and stable interest income.
The term of deposit is three months, six months, one year, two years, three years and five years. You can withdraw part of the deposit in advance. When the deposit expires, the principal and interest can be withdrawn by the certificate of deposit, or it can be automatically transferred several times according to the original deposit term.
2. Time deposit is also called "certificate of deposit". A deposit in which the bank and the depositor agree on the term and interest rate in advance and withdraw the principal and interest after maturity. If depositors need funds before maturity, they can sell some certificates of deposit in the market; Some certificates of deposit are not transferable. If depositors choose to withdraw funds from the bank before maturity, they need to pay a certain fee to the bank.
Cash and current savings deposits can be directly applied for time savings deposits. The initial deposit amount of a time deposit account is 50 yuan, and there is no limit to deposit more.
3. If the time deposit is withdrawn at maturity, the interest shall be calculated according to the deposit interest rate on the opening date of the certificate of deposit. In case of early withdrawal, interest shall be calculated according to the deposit interest rate on the date of withdrawal. In case of overdue withdrawal, the interest shall be calculated according to the deposit interest rate on the withdrawal date. I can apply for a small mortgage with a deposit slip.
Four, depositors to withdraw the maturity of time deposits in advance, must hold a certificate of deposit and identity documents of depositors; When withdrawing money on behalf of depositors, the withdrawal agent must also hold his own identity certificate, and the interest rate shall be calculated and paid according to the current savings deposit interest rate announced on the day of withdrawal. The withdrawal agent should also sign the payment voucher.
Five, for the unexpired time deposits, depositors can withdraw part of the time deposits in advance according to the needs, and their verification procedures remain unchanged. The interest rate for early withdrawal shall be settled and paid according to the deposit interest rate listed on the withdrawal date, and the retained part shall be settled and paid according to the original deposit date and the original interest rate. One-time deposit and withdrawal time deposit can only be withdrawn once in advance for each certificate of deposit.