If CCB's mortgage is deducted by credit card, it can turn off the automatic credit card deduction service, or replace the credit card with another bank card for automatic repayment. The credit card has automatic repayment function, and the bound bank card happens to be the mortgage repayment card, so the money in the card will be deducted by the credit card. The mortgage handling process of CCB is as follows:
1. The user submits loan application materials (ID card, income certificate, asset certificate, etc.). ) Go to China Construction Bank, fill out the loan application form and wait for the bank's approval.
2, the construction bank staff should strictly review the materials submitted by users.
3. If the submitted materials meet the loan requirements, they will be approved.
4. After approval, the applicant signed a loan contract with China Construction Bank.
5. CCB will lend money to the user's account according to the time agreed in the contract.
When is the automatic deduction time of CCB's fast loan? (With automatic deduction as a precaution)
In addition to active repayment, CCB Express Loan also supports automatic deduction by the system. How much is the automatic deduction time of CCB's fast loan? In fact, the automatic deduction time of CCB's fast loan is not a certain time point, but a time period. During the automatic deduction period, CCB's fast loan may be automatically deducted.
Automatic deduction time period of CCB's fast loan
On the maturity date of the fast loan, the system will automatically deduct the deposit in the associated savings card for repayment.
The specific deduction time is 6: 00- 17: 00 on the same day.
During this period, as long as the balance of the associated savings card is sufficient, the system will complete the deduction at one time. However, if the balance of the savings card is not enough to pay off the loan principal and interest, then the balance in the card will increase in the next day's deduction time, and the system will make up the deduction again. The upper limit of daily deduction is 15 times until the deduction is finished.
Matters needing attention in automatic deduction of CCB's fast loan
1. Ensure that the deduction account has enough funds before the repayment date.
2. If it is overdue, please deposit the funds into the deduction account as soon as possible and wait for the system not to deduct the money.
3. If the system fails to deduct the money automatically, so that the repayment cannot be made in time, please contact the staff for relevant treatment on the working day.
4. If the automatic deduction fails, you can choose to take the initiative to repay.
(1) and other personal online banking, find loan services, and choose personal loans and repayment options for repayment.
(2) Log in to the mobile banking APP, find the loan, select immediate repayment, and conduct repayment operation.
(3) CCB Express Loan can also go to the loan handling agency for repayment.
The automatic deduction time of CCB's fast loan is here for everyone. I think it is best to take the initiative to repay as long as it is not particularly busy. Although automatic deduction is convenient, there is a risk of overdue if the deduction fails, and it is safer to take the initiative to repay. In addition to avoiding overdue repayment, you can also check the current loan information by the way. It's good to think about it.
How many times is the CCB mortgage deducted a day?
Mortgage is generally deducted twice a day. Mortgage loans generally sign automatic repayment agreements. If the bank card is bound, the banking system will automatically deduct the corresponding amount from it on the repayment date to repay the amount (principal interest) due in the current month, while the banking system will generally deduct it twice on the repayment date, once before business in the morning and twice after business on the same day.
The materials to be prepared for housing loan are: 1. The borrower's valid identity card and household registration book; 2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year); 5. Real estate title certificate; 6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required). Note: Only collateral can be used for loans, and the sum of loan amount and interest during the loan period cannot exceed1/2 of the assessed value of collateral; Have a long-term stable income source, enough to pay the monthly loan principal and interest; Guarantor; The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc. It usually takes about 1 month to get a loan.
The standard of loan amount is: residence: the maximum loan amount can reach 70%-80% of the appraised price; Apartment: the maximum loan amount shall not exceed 60% of the appraised price; Villa residence: the maximum loan amount shall not exceed 70% of the appraised price; Commercial house: The maximum loan amount shall not exceed 60% of the appraised price. The borrower should fill in the Application for Housing Mortgage before the loan, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank. The bank examines the borrower's loan application, purchase contract, agreement and related materials. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping. Guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it.
What should CCB do if the mortgage loan is automatically deducted from the fast loan?
The loan of CCB is automatic repayment, which you set up. You can talk to the bank about the situation. If you want to pay off the mortgage, you can pay it again according to your situation. It still depends on your personal situation.
Automatic deduction time period of CCB's fast loan
On the maturity date of the fast loan, the system will automatically deduct the deposit in the associated savings card for repayment. The specific deduction time is from 6: 00 to 17: 00 on the same day. During this period, as long as the balance of the associated savings card is sufficient, the system will complete the deduction at one time.
However, if the balance of the savings card is not enough to pay off the loan principal and interest, then the balance in the card will increase in the next day's deduction time, and the system will make up the deduction again. The upper limit of daily deduction is 15 times until the deduction is finished.
Extended data:
The concept of overdue repayment
Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date.
It is suggested that if the total amount is not repaid, the minimum repayment amount can be repaid first, without affecting the credit line. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account!
When a credit card (debit card) holder chooses the minimum repayment method or uses a card that exceeds the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and will pay overdraft interest calculated at the prescribed interest rate for the unpaid part from the bank bookkeeping date.