After handling the mortgage, there is usually a fixed repayment time every month, so it is necessary to repay in time. We should pay attention to the method of dealing with mortgage loans. When you apply for a mortgage, you should pay attention to the specific details and the date of deduction. What if the mortgage repayment date is not deducted? How to repay the mortgage in advance? Let's get to know each other. After handling the mortgage, there is usually a fixed repayment time every month, so it is necessary to repay in time. We should pay attention to the method of dealing with mortgage loans. When you apply for a mortgage, you should pay attention to the specific details and the date of deduction. What if the mortgage repayment date is not deducted? How to repay the mortgage in advance? Let's get to know each other.

What if the mortgage repayment date is not deducted?

1. Ensure that the balance of the mortgage card is sufficient.

The mortgage is automatically deducted by the bank every month, but if the money in the bank card is not enough to repay, the bank will not deduct the mortgage, so check whether the money in your card is enough first. I suggest that you save the mortgage for two months at a time, so as not to forget to pay it back.

2. Is the SMS reminder blocked?

The mobile phone can be set to automatically intercept spam messages, so if you find that you haven't received the message, check whether it has been intercepted by the mobile phone and look at it in the spam messages.

3. The bank delayed the deduction

Although the bank will deduct money at a fixed time every month, there will be some delays occasionally. Of course, if you are worried about the impact on us, you can contact the bank first.

4. Delay in SMS deduction

I have encountered the situation that although the money in the mortgage card was deducted, I didn't receive the SMS notification. The answer I got when I consulted the bank was that the SMS was delayed, and sometimes it was notified the next day.

5. Deduction of the first loan

The first repayment date of the mortgage is the day when we officially start the loan, but there will be some errors in this. It is very likely that the loan information will take effect the next day, so don't worry about this situation.

6. Is there any impression of credit?

What people are more concerned about is the reason for not deducting fees or the fear of affecting their reputation in the bank. Generally, as long as the card has enough money, there will be no problem. Of course, you can consult the bank customer service to understand the situation.

How to repay the mortgage in advance?

Most banks require mortgage customers to make an appointment in advance before the repayment date, but few banks require borrowers to go directly to the bank counter. Therefore, before the repayment period, that is, before the loan is repaid first, the borrower should look at how the loan contract is agreed before the repayment period, find out whether his loan can be repaid in advance, and at the same time, he can consult the bank about the precautions for prepayment.

Some mortgage borrowers think that they can repay as long as they have spare money in hand, but according to relevant regulations, most banks require that the amount of prepayment should not be less than 1 10,000 yuan, and there are also regulations on repayment times. Therefore, whether the mortgage can be repaid in advance should also pay attention to whether the bank has relevant regulations on the repayment amount.

When repaying the mortgage, make sure that there is enough money in your account, so as to ensure timely repayment. You can also consult the financial department for details. The above is about what to do if the mortgage repayment date is not deducted. For the introduction of how to repay the mortgage in advance, you can learn more about it before applying for a loan, so as to apply for a loan better.