Agricultural Bank of China's mortgage is generally deducted on the repayment date 17: 00-2 1: 00. Therefore, if the repayment date of your housing loan is the 20th of each month, you should make sure that there is enough money in your card to repay the mortgage of that month before 5pm on the 20th, so as to avoid the failure of deduction. If the assets in the repayment account cannot repay the current loan principal and interest, it will be treated as overdue.

When will the mortgage of ABC be deducted?

If the grace period is agreed when signing the contract, the overdue loan of ABC 1 day will not affect personal credit. But there is no grace period when signing the contract. In this way, if the repayment of ABC is overdue 1 day, it will report the credit information, thus adding an overdue record to the credit information. If the repayment is delayed due to unexpected circumstances, it is best to inform the bank in time to explain the reasons, follow up the repayment in time, pay the overdue fee and penalty interest, and contact the banking industry in time to deduct the money again after the deposit. It is very important for users to repay their mortgages on time. Once overdue, it will be difficult to handle the loan business in the later period. Moreover, banks pay more attention to the overdue behavior of mortgage loans, users do not repay for a long time, and may even pay off the arrears of faster users.