You can change the card for mortgage repayment.

However, banks have requirements for bank card repayment, and only the borrower's account or an account with which the borrower has contacts can be used as a repayment account. Therefore, when replacing the bank card for repaying the house loan, the new bank card must belong to the person related to repaying the house loan.

In addition to repaying the loan, the mortgage repayment card allows customers to enjoy the same current interest as other debit cards, and the card can also be used for shopping and consumption. As long as the customer pays attention to the fact that there is enough funds in the card for the banking system to deduct the repayment smoothly on the repayment date. However, if the balance in the card is insufficient, the bank can't deduct money on the repayment date, which will lead to the failure and overdue repayment, thus affecting personal credit.

Can the mortgage bank card be replaced?

After applying for a mortgage, the borrower can change the loan repayment bank card. The process of replacing the repayment bank card is as follows:

(1) When applying for replacing the repayment bank card, the borrower must first prepare the required documents. These documents include the old and new bank cards that need to be replaced, the borrower's ID card, the original mortgage loan contract, and the original real estate title certificate for the purchase of real estate (provided, all are unnecessary).

(2) Go through the change procedures at the bank that applied for the house purchase loan. After the replacement, the borrower can use the new bank card immediately. Moreover, the money in the old bank card will also be transferred to the new bank card. However, the online banking of bank cards will not change automatically with the replacement of bank cards, and borrowers need to handle online banking themselves.

However, banks have requirements for bank card repayment, and not every bank card can be replaced with a new repayment bank card. Only the account of the borrower or the same borrower can be used as the repayment account. Therefore, when replacing the bank card for repaying the house loan, the new bank card must belong to the person related to repaying the house loan.

After the borrower successfully replaces the repayment bank card, he should remember to repay the loan on time, so as to avoid overdue records and affect personal credit information.

Can I change my mortgage card?

1. Can I change my bank card when I repay my mortgage?

1. If this bank card is used to return the house, you can change it. You can get a new card with the same number. Just fill in an application form, the staff will operate it, and you can exchange it for a new card.

2. However, sometimes changing a card means changing a new card and you need to apply. First, you need to prepare documents, including your old card and your ID card, including the mortgage loan contract signed with the bank and other materials. Then it will be handled by the counter staff, and you can get a new bank card immediately. Moreover, the money in your old bank card will also be transferred to the new card, so you can repay the money according to the normal method, and there will be no change because of changing the card. The bank will deduct the money at a fixed time on a certain day.

2. If the balance of the mortgage repayment bank card is insufficient, will it be deducted again?

1, sign an agreement with the bank for repayment. In the future, we need to pay attention to ensure that the funds in the bank card are sufficient every month so that the bank can automatically deduct money. If the balance is insufficient, the banking system will also make multiple deductions until the mortgage is deducted.

2. How much money is there in the bank card? The system will deduct the current balance first and notify the lender. The system will automatically deduct the rest for the second time.

3. Therefore, the lender is also reminded to transfer all the funds into the card in advance every month, so as to avoid overdue due to insufficient funds or system deduction errors during the peak repayment period, which will affect personal credit.

Summary: If this card is used to repay bank loans, you can apply for a replacement card, which will not affect your repayment. And the application process is not that complicated. Just explain to the staff, fill in the form and submit the information.