1. Is the mortgage automatically deducted?
Yes, when signing a loan contract, the borrower needs to provide a bank card with the same name as the repayment account, and the lender needs to deposit the corresponding amount of loan into the bank card at the agreed time, and the bank card will automatically deduct the money within the specified time. Note that the monthly repayment fee is related to the interest rate, so if the interest rate increases, the repayment fee needs to be increased accordingly.
Second, what should I pay attention to when applying for a house loan?
1. When applying for a house loan, you should pay attention to choosing the appropriate loan method. According to experts from Qijia. There are three main ways to buy a house by loan. If you pay the provident fund on time, it is recommended to choose the provident fund or portfolio loan, so that you can enjoy more preferential policies.
2. When applying for a loan, you must provide true and effective materials, especially proof of income. Because banks will use this as the basis for reviewing loans, some borrowers deliberately write high income certificates and pay attention to the average income of each bank. If the borrower's income is much higher than the average income, the bank will consider it fraud and directly reject the borrower's application.
3. Because the competitive pressure of major banks is relatively great now, all banks will introduce preferential policies from time to time. When applying, the borrower must make a comprehensive investigation and choose the one that suits him best, especially paying attention to the default clauses such as the early repayment policy. If the penalty is high, you must be careful when choosing.
Editor's summary: The above is about whether the mortgage is automatically deducted and what to pay attention to when applying for a mortgage. I hope it helps you. If you want to know more, please follow Qijia. com。