The monthly mortgage repayment is automatically deducted from the repayment bank card by the banking system. After the general mortgage is completed, the bank will handle a bank card for the repayment person, and only need to deposit the mortgage into the account on time every month, and the bank will automatically deduct the money. The lender can deposit the monthly payment into the repayment bank card by cash or remittance.

Matters needing attention in monthly mortgage payment and repayment

1. Remember the repayment date and monthly repayment amount of the loan.

In the process of loan processing, especially when the loan is signed face to face, the loan unit (commercial bank or housing provident fund management center) will inform the borrower (buyer who applies for mortgage) of the repayment date and monthly repayment amount.

If the borrower really can't remember clearly, he can read the relevant clauses in the loan contract or call for advice.

2. Pay attention to whether to pay liquidated damages for prepayment.

Liquidated damages may be charged for prepayment of housing commercial loans. Borrowers should know the relevant regulations of the bank in advance to avoid being charged for prepayment.

In Ningxia, there is no penalty for prepayment of housing provident fund loans. On the premise of meeting the policy, you can raise funds by yourself or apply for early withdrawal of housing provident fund.

Pay attention to the change of your monthly payment.

There are no more than three reasons for the change of monthly supply. First, the national legal loan interest rate adjustment, resulting in changes in loan interest; Secondly, owing on the loan in advance leads to the reduction of the remaining principal of the loan and changes (here, the loan term is unchanged and the monthly payment is reduced); Third, the loan interest rate pricing model is transformed, that is, the loan interest rate pricing model is transformed into a bonus form (which can be negative) based on LPR.

In either case, the borrower should pay attention to the change of his monthly payment and adjust the repayment plan in time to avoid overdue.

4, after the deadline to actively and properly handle.

Loans overdue is a problem that neither borrowers nor lenders want to encounter. For the borrower, if loans overdue happens inadvertently, he should contact the loan unit in time to seek remedial measures to minimize credit losses and economic losses. Even if the overdue period cannot be found in time, we should repay the monthly loan in time when we receive the reminder from the loan unit and do our best to eliminate the negative impact.

If there is a loans overdue and it is not handled in time, the borrower's credit record will be stained and reflected in the personal credit report; If the situation is serious, the lender will also apply for the disposal of the borrower's property according to the contract to offset the loan.

5. The loan materials shall be properly kept.

Although the loan materials including the loan contract are temporarily useless after the loan is issued, they will be used for early repayment or loan settlement later. Therefore, we should take good care of the relevant information, beware of losing it, and avoid bringing unnecessary trouble to ourselves in the future.