In the early morning of the next day, the deduction will continue until the required monthly payment is deducted. Generally speaking, regardless of the date when CCB issues loans, the date of deduction is 2 1 every month. Until the end of the month, as long as the monthly payment in the account is sufficient, it will not be overdue, which is very loose, at least for Henan Construction Bank. Some banks, such as Industrial and Commercial Bank of China, deduct money from Japan. For example, if they borrow money on the 8th of a month, they will deduct it on the 8th of each month. If they haven't saved enough money by the 9th, they will be overdue once and their credit records will be overdue again.

You can consult the account manager of the local construction company that handles the loan for you and ask whether your deduction date is 10 or 2 1- the end of each month.

A worried customer like you should have a good credit record. My mortgage in Zhengzhou ICBC has been overdue for 8 years twice, but I didn't save enough that day, and the credit record can't be remedied. Just pay attention in the future.

In addition, many banks now only look at the credit records of the last 24 months when approving loans, which can guide customers to have overdue records and remedy them. In the past, they checked the overdue time of customers at any time, and some customers easily broke their cans and fell off many times.