Generally, the repayment of personal commercial loans in China Bank is automatically deducted from the repayment account. Because you can't fully understand your own loan information, it is recommended to contact the loan bank for detailed consultation.

The above contents are for your reference. Please refer to the actual business regulations.

Why can the loan be automatically deducted from the bank?

Loans can be automatically deducted from bank cards because users have signed a withholding agreement with lending institutions when applying for loans, and then lending institutions will initiate automatic deduction to return the current repayment amount every time they repay. Automatic deduction, users will not be overdue because they forget to take the initiative to repay.

However, automatic deduction also has disadvantages, that is, once the user does not want to repay, the lending institution will always initiate automatic deduction until all the repayment funds are deducted.

Is the mortgage repayment automatically deducted by the bank?

Mortgage repayment is basically automatic deduction. Because when people apply for a mortgage in a bank, they usually bind a bank card and sign an automatic deduction agreement with the bank, so that the bank can automatically deduct the repayment from the bound bank card every month.

Therefore, when people repay their mortgages, they usually just return the money to the card before the repayment date. On the day of repayment, the banking system will automatically deduct money from the card.

Extended data:

Matters needing attention in mortgage repayment

1. If the balance in the card is insufficient, the bank will not be able to automatically deduct money on the repayment date, resulting in failure to repay. It is necessary to deposit the money in the card as soon as possible, and it is best to inform the bank after the deposit, so that the bank can deduct the money in time.

2. Some banks may not automatically deduct money after the repayment date, or there may be omissions. Therefore, in order to avoid returning the money to the bank without deducting the money and aggravating the overdue situation, it is best to contact the bank after the overdue repayment.

Is the mobile banking credit loan of rural credit cooperatives automatic repayment?

Rural credit cooperatives can open automatic deduction.

As long as you bind this bank card at the time of loan, it will be repaid automatically.

1. Most loan products support automatic deduction, which is basically opened manually. So after the loan is successful, you can check the option of automatic deduction, bind the repayment bank card, and open the automatic repayment function. Read the tips carefully and see the rules of agency deduction.

2. You don't need to transfer money yourself. As long as there is enough balance in the bank card, the system will automatically deduct enough repayment amount on the repayment date of each month. After the repayment is successful, you will send a text message or display the status. Better pay attention.

How to handle automatic repayment of credit card (debit card)?

Users can automatically repay their credit cards (debit cards) through mobile banking, online banking, bank counters or bank customer service hotline. Take the mobile banking of China Construction Bank as an example. Users log in to mobile banking, click Credit Card (Debit Card)-Credit Card (Debit Card) Management-Agreed Repayment, and then set up a savings card as a repayment account. After confirming the operation, the automatic repayment business is completed.

Of course, users can also cancel the automatic repayment business at any time, and the process is the same, and it can be cancelled in the same interface.

So much for the introduction of automatic repayment of loan bank cards.