the house loan is not repaid until the house is handed over. Generally, the repayment will start next month after signing the house purchase loan agreement. When to hand over the house has an agreement on the purchase contract, which has nothing to do with the bank loan, mainly the agreement between the buyer and the real estate developer.

Therefore, I would like to remind everyone that after successfully applying for the mortgage fund to sign the contract, we should prepare the monthly repayment amount to pay the bank repayment, otherwise, if it is not paid back on time, it will not only cause personal credit stain, but also lead to foreclosure in serious cases.

deposit money several days in advance for mortgage repayment

The borrower can deposit money into the bound repayment bank card on the repayment date, or one or two days in advance, or one or two weeks in advance, depending on the payer's own wishes. As long as the card balance is sufficient and the banking system successfully deducts money, the borrower can repay the mortgage on time. However, I suggest that you don't wait until the repayment date to deposit money. It would be better to deposit money a few days in advance.

after all, on the repayment date, the banking system will deduct money. If the borrower has missed the deduction time when depositing money, it will be bad if the bank system failed to deduct money because of insufficient card balance.

of course, customers can also choose to charge a large sum of money into the card at one time, and then let the banking system deduct it slowly. However, it is still necessary to pay more attention to the changes of card funds, so as to deposit money in time when the balance of the card is insufficient, so as to avoid the failure of repayment and overdue due to the lack of balance in the card, which will affect personal credit.

is the second day of mortgage repayment overdue?

Although mortgage and credit card belong to the business of banks, mortgage does not provide time difference service like credit cards. As long as you can't fully deduct the money that day, even if you pay a few cents less, you will definitely be overdue. Not to mention the second day of the mortgage repayment date, which is properly overdue.

Therefore, if you want to avoid overdue, it is recommended that you deposit enough money in the repayment card one day before the repayment date, so that the bank can successfully deduct the money on the repayment date.