For the personal housing loan handled by China Merchants Bank, if you need to change the deduction account number, you can call the customer service hotline or contact the loan handling bank for immediate effect. If the second deduction account number needs to be added/changed, the account number to be changed must be a one-card account in the same city under the name of the borrower or debtor.

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

For the personal housing loan handled by China Merchants Bank, if you need to change the deduction account number, you can call the customer service hotline or contact the loan handling bank for immediate effect. If the second deduction account number needs to be added/changed, the account number to be changed must be a one-card account in the same city under the name of the borrower or debtor.

Can I repay the mortgage by changing the bank card of other banks?

Of course, the bank card of the mortgage can also be changed. You just need to take your personal identification materials to the bank to replace a new bank card. Of course, when I change my bank card, I must do it myself, both the original bank card and the new one. In addition, I must provide the borrower's ID card, mortgage contract, real estate license and some originals of the purchased property. In fact, it is very convenient to go through the formalities in the bank, and everyone must ensure that there is a corresponding balance in the card after replacing the new bank card.

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.