Savings cards with card numbers beginning with "62" can be used without changing their numbers through channels such as mobile banking and "ICBC Service" WeChat applet.
As long as the balance in your card is sufficient, it will not affect the loan repayment. If the balance in the card is insufficient, sufficient funds need to be transferred, and the expiration of the card will not affect the collection.
Personal housing loan refers to the loan issued by the lender to the borrower to purchase ordinary housing for personal use. Personal housing loan business is one of the main asset businesses of commercial banks. Refers to the loan issued by a commercial bank to a borrower for the first time to purchase a house (that is, a house sold to an individual after development and construction by a real estate developer or other qualified development subject).
Personal housing loans mainly have the following three loan forms:
(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.
(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.
(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
The way to repay the principal and interest of the loan shall be agreed by the borrower and the borrower, and shall be specified in the loan contract. If the loan term is within 65,438+0 years (including 65,438+0 years), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid with the principal. If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid monthly in the form of equal principal repayment and equal principal and interest repayment.
Equal principal and interest:
Matching principal and interest repayment method means that the borrower repays the loan principal and interest with the same amount every month (commonly known as "monthly payment"), referred to as "matching method" for short.
Repayment characteristics: equal principal and interest, that is, the sum of monthly repayment principal and interest is equal. This repayment method is easy to make a good repayment budget and reduce the initial repayment pressure, but interest accounts for most of the monthly repayment amount in the initial repayment. In the subsequent repayment, the proportion of principal gradually increased and the proportion of interest gradually decreased, thus achieving a relative balance. This repayment method is suitable for ordinary wage earners.
Calculation method of equal principal and interest repayment:
Equal repayment amount of principal and interest (monthly repayment amount) = [loan principal× monthly interest rate× (1+monthly interest rate )× repayment months ]=[( 1+ monthly interest rate )× repayment months]
Average capital:
The average capital repayment method refers to the borrower's equal monthly repayment of the principal, and the loan interest decreases month by month with the principal, and the repayment amount also decreases month by month, so it is also called the diminishing method.
Characteristics of repayment: the repayment of principal is the same as monthly repayment, and the interest is calculated on a daily basis according to the loan principal amount. The early repayment is large, and the monthly repayment is gradually reduced. The interest paid by this repayment method is low, but the pressure of prepayment is great. This repayment method is suitable for families with better economic income.
Calculation formula of equal principal repayment:
Monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.