Agricultural bank cards from other places can be mortgaged at local banks.
First, banks generally require to open a local bank card for repayment, which is less problematic to operate. Banks do not require that the cards used to repay mortgage loans are operated by local outlets or different outlets.
Second, however, it should be noted that the debit card for repaying the mortgage must belong to the same bank as the mortgage. Therefore, if the borrower already holds the debit card of the loan bank, whether the card is local or not, it can be used in combination to repay the mortgage.
3. However, if there is no debit card belonging to the lending bank in the card that the borrower already holds, then he has to apply for another one when applying for a mortgage. As for the cards they hold, because they don't belong to the loan bank, they can't be bound and used to repay the mortgage, whether they are run locally or not. Of course, if you have more than one debit card from the loan bank, it is natural to give priority to local card binding and mortgage repayment. After everyone binds the card to repay the mortgage, the card can still be used as usual as long as the funds inside are sufficient and the repayment is not affected.
Bank cards in different places can be handled by local counterparts. However, it is impossible to report the loss of the bank card or modify the ID number. Cardholders can apply for loss reporting locally through customer service telephone. Ordinary bank card business, such as modifying the reserved mobile phone number, deposit, transfer and loan, can be handled locally.
In addition, different card-issuing banks may have different rules and regulations when doing business in different places. It is recommended to call customer service in advance.
Bank cards are generally universal deposits and withdrawals. You can handle the deposit and withdrawal business at counters, ATMs and remote ATMs, but you need to pay a certain handling fee. However, if the bank card is used in different places, there is no need for any fees. Bank card loss reporting needs 10 yuan service fee:
① You can report the loss orally by telephone first to ensure the safety of account funds;
② Then go to the business hall of the bank and fill in the application for loss reporting;
(3) After the loss is reported successfully, take it away and keep it properly.
After 7 days, the report of loss came into effect, and I took my ID card to the bank to handle the card replacement business:
① Go to the bank with ID card and loss reporting receipt;
2 queue up to get the number;
(3) After calling the number, hand over the information needed to reissue the bank card to the teller;
(4) Wait a moment, enter the new card password and sign the business confirmation form;
⑤ Pay 5 yuan to 10 yuan, and the bank charges are different;
⑥ Get your ID card back and get a new bank card.
Can the mortgage be repaid across banks?
The mortgage can be repaid by another bank. But you have to deposit the money one or two weeks in advance, because it usually takes a long time for deposits from different places to arrive, and mortgage repayment is more about the day when the money is deducted. Otherwise, it will be regarded as arrears, which is not good for credit reporting. If you want to borrow money in the future, you must remember to pay it back in time.
Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.
Repay the loan in advance
Because the mortgage lender who needs to repay the loan in advance needs to carefully check the application for repayment in advance and then review it, and the application also takes some time. If the lender wants to repay the loan in advance, under normal circumstances, he should take good care of his ID card and loan contract to the bank after making a phone call or making a written request. As a trustee, he should take good care of the real estate license, settle other debt documents confirming the pledge at the bank, and personally go to the district construction committees to understand the pledge situation. What is not taken seriously is that if the diners don't have a one-time knot. The original policy and invoice can be booked by calling the relevant security companies. If it is a depositor and the owner who handles the mortgage refinancing business, it is best to find an amateur guarantee service agency to do notarization, so as to avoid the situation that the depositor does not buy or the depositor reviews the formalities after the owner repays in advance.
First, don't forget to surrender the loan in advance.
When the lender handles the loan, the bank will cancel the pledge. For example, if it is necessary to go through the prepayment procedures, Hefei Small Loan Bank normally requires the lender to submit a written or telephone request 15 working days in advance, and the bank will accept the loan. If it is a lender who settles the full balance, Hefu Microfinance is prepared to make a remaining loan line after the bank, so that the lender can take out the remaining money and repay the loan in advance.
Second, pledge cannot be ignored.
The danger of the owner's falling price after the down payment is paid off. After the borrower settles the full amount in advance, the bank will show the settlement certificate, and the lender will make plans after taking care of the loan settlement certificate issued by the bank and the original system of each bank.
Third, prepayment needs preparation.
At present, some banks will release the pledge in person. After the pledge is released, the lender needs to go to the bank to retrieve the original house. There will be changes. Banks stipulate that early repayment should be several times of 65,438+0,000, and some banks still need to charge a certain amount of non-repayment. If the depositor pays off the loan, he must not forget to pledge a certain loan and cannot ask for surrender.
Can I repay my mortgage in advance in different places?
The borrower must apply for early repayment at the loan bank, and cannot apply for early repayment in different places.
It can only be handled at the bank where the application is made, and the applicant and the staff of the lender (bank and other institutions) must reach an agreement through consultation before repayment can be made in advance.
According to Article 32 of the General Principles of Loans, the borrower shall repay the loan principal and interest in full and on time as agreed in the loan contract. If the loan is repaid in advance, it shall negotiate with the lender.
Specific procedures, due to different lending institutions, the materials and requirements to be submitted for review are also different. Applicants are advised to bring their valid ID cards and loan bank cards. And consult clearly in advance. And the bank will charge some liquidated damages.
Please pay attention to the following items when handling mortgage prepayment:
1, banks are allowed to repay loans in advance at different times. Most banks can apply for early repayment after one year of repayment, and some banks can repay loans in advance at any time. Pay attention to the repayment time of the loan bank when repaying the loan in advance.
2. The loan term of general mortgage is more than 65,438+00 years. During this period, it is inevitable for banks to adjust interest rates. If they are in the interest rate cut channel, it is obvious that the faster they adjust, the more cost-effective.
3. Whether the loan is repaid in advance or according to the contract, the mortgage registration must be cancelled after the loan is paid off.
Extended data:
Repay the loan in advance
Because the mortgage lender who needs to repay the loan in advance needs to carefully check the application for repayment in advance and then review it, and the application also takes some time. If the lender wants to repay the loan in advance.
Keep my ID card and loan contract in the bank. As the trustee, the cashier should take good care of the real estate license, settle other debt certificates that confirm the pledge in the bank, and go to the district construction committees to understand the pledge situation. What is not taken seriously is that if the diners don't have a one-time knot. The original policy and invoice can be booked by calling the relevant security companies.
If it is a depositor and the owner who handles the mortgage refinancing business, it is best to find an amateur guarantee service agency to do notarization, so as to avoid the situation that the depositor does not buy or the depositor reviews the formalities after the owner repays in advance.
First, don't forget to surrender the loan in advance.
When the lender handles the loan, the bank will cancel the pledge. For example, if it is necessary to go through the prepayment procedures, Hefei Small Loan Bank normally requires the lender to submit a written or telephone request 15 working days in advance, and the bank will accept the loan.
If it is a lender who settles the full balance, Hefu Microfinance is prepared to make a remaining loan line after the bank, so that the lender can take out the remaining money and repay the loan in advance.
Second, we can't ignore the oath.
The danger of the owner's falling price after the down payment is paid off. After the borrower settles the full amount in advance, the bank will show the settlement certificate, and the lender will make plans after taking care of the loan settlement certificate issued by the bank and the original system of each bank.