The automatic deduction method for personal loans is twice a day. The system will automatically deduct the loan account once before opening the account on the morning of the repayment date, and deduct the loan account for the second time after the end of business on the same day, and return the loan account arrears according to the principle of "deducting as much as possible" (in case of Saturday, Sunday and legal holidays, the deduction will be the same and will not be postponed).
If the agreed repayment date is 3 1, etc. Other special months without this date will be deducted on the last day of the month.
Overdue customer loans do not affect the automatic deduction method of the system, which is still twice a day. When the customer is overdue, the system will execute the deduction mode. If the customer fails to repay, the system will automatically deduct the customer account every day.
Extended data
Loan terms:
1, with legal identity. 2, a stable economic income, good credit, the ability to repay the loan principal and interest.
3. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.
4. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.
5. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.
6. Other conditions stipulated by the lending bank.
Baidu encyclopedia-personal housing loan