The deduction time of Agricultural Bank of China is not clear, usually around 17: 00-2 1: 00.

Therefore, if the repayment date of your housing loan is before the 2nd of each month, you have enough money in your card to repay the mortgage of that month to avoid the failure of deduction. If the deduction of personal housing provident fund fails on the repayment date, you need to consult the bank whether it will automatically make up the deduction.

1、

Personal housing provident fund loan refers to that employees regularly deposit housing provident fund units in the fund management center on time, buy and build self-occupied housing (including second-hand housing) as collateral in this city, and a legal person with guarantee ability provides guarantee. Loans can be managed by funds.

2. Personal housing commercial loans

It can be roughly divided into six varieties:

(1) Personal housing loan (including forward house and existing house);

(2) Personal second-hand housing loans;

(3) individual housing renovation loans;

(4) Personal housing consumption loans;

(five) personal commercial housing loans;

(6) individual housing portfolio loans;

(1) Personal housing loan means that the borrower takes the purchased house as collateral to mortgage the forward house and existing house. Among them: houses that are being handled by auction houses; Xianfang refers to the house that has been completed and accepted and obtained the property right certificate. 80% of the individual housing amount issued by the bank.

(2) Personal second-hand housing loans refer to bank loans. Among them, the second-hand house refers to the second-hand house that has obtained all property rights and can enter the secondary market of real estate. The age of second-hand houses generally does not exceed 15 years; The sum of the loan term and the house age is generally not more than 25 years.

(3) Personal housing renovation loans refer to loans borrowed from banks for housing renovation. The maximum proportion shall not exceed 50%, and the loan period shall not exceed 5 years.

(4) Personal housing consumption loans refer to loans issued by banks to borrowers for family expenses. The maximum proportion shall not exceed 50%, and the longest loan term shall not exceed 10 year.

(5) Personal commercial housing loan refers to the fact that personal self-operated commercial housing and self-occupied office housing should be existing houses, with the highest proportion not exceeding 60% and the longest loan period not exceeding 10 year.

(6) Loans consisting of housing provident fund loans and housing secured loans, that is, when individuals apply for housing provident fund loans to pay for the purchase of houses, they apply for commercial housing loans, which bear interest according to the provident fund loan interest rate and the commercial loan interest rate respectively, and the loan term is the same. The borrower can borrow money from the payee.

3. Entrusted housing loans

Entrusted by the Housing Entrusted Provident Fund Management Department, with housing provident fund deposits as the source of funds, loans are issued to individuals who purchase ordinary housing that meets the specified requirements.

Housing self-operated loan is a loan issued to individual buyers from the source of bank credit funds.

4. Housing portfolio loans

Housing portfolio loans refer to loans issued by individuals from housing provident fund deposits and credit funds, and are a combination of personal housing entrusted loans and self-operated loans.

5. Housing savings loan

Housing savings loan refers to a kind of loan on the premise that property buyers deposit money in advance in order to obtain bank loans. It is a kind of contractual housing savings for those who have not participated in the provident fund or have obtained provident fund loans but are still difficult to solve.

2. When is the repayment date of ICBC loan?

The deduction time of ABC is not specified, but the mortgage deduction time is generally around 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 deduction of personal housing provident fund fails on the repayment date, you need to consult the bank whether it will automatically make up the deduction. : 1. Personal housing provident fund loan: Personal housing provident fund loan is a loan that employees who have paid housing provident fund to the fund management center in a specified period buy or build their own houses (including second-hand houses) in this city, and apply to the fund management center with their own property houses as collateral and guaranteed by a legal person with guarantee ability. Loans can be issued by banks entrusted by the fund management center. 2. Personal housing commercial loans can be roughly divided into six categories: (1) personal housing loans (including forward housing and existing housing); (2) Personal second-hand housing loans; (3) individual housing renovation loans; (4) Personal housing consumption loans; (five) personal commercial housing loans; (6) individual housing portfolio loans; (1) Personal housing loans refer to loans issued by banks with purchased houses as collateral, including mortgage loans for forward houses and existing houses. Among them: the auction house refers to the house under construction or the house that has been completed and accepted and is in the process of handling the real estate license; Xianfang refers to the house that has been completed and accepted and obtained the property right certificate. The maximum amount of personal housing loans issued by banks is 80% of the purchase amount. (2) Personal second-hand housing loans refer to loans issued by banks to borrowers for the purchase of second-hand housing. Among them, second-hand housing refers to the housing that has obtained all property rights and can enter the secondary market of real estate for circulation and trading. The age of applying for a loan for a second-hand house is generally not more than 15 years; The sum of the loan term and the house age is generally not more than 25 years. (3) Personal housing renovation loans refer to loans issued by banks to borrowers for renovating their own houses. The maximum proportion shall not exceed 50%, and the loan period shall not exceed 5 years. (4) Personal housing consumption loans refer to loans issued by banks to borrowers for family expenses. The maximum proportion shall not exceed 50% of the assessed value of the collateral, and the longest loan period shall not exceed 10 year. (5) Personal commercial housing loans refer to loans granted by banks to borrowers for purchasing personal self-operated commercial housing and self-occupied office housing. The purchased commercial house shall be an existing house, with the highest proportion not exceeding 60% and the longest loan period not exceeding 10 year. (6) Individual housing portfolio loans refer to loans composed of housing provident fund loans and housing guarantee loans, that is, when individuals apply for housing provident fund loans to pay the purchase price, the insufficient part applies to the bank for commercial housing loans. The two loans bear interest according to the provident fund loan interest rate and the commercial loan interest rate respectively, and the loan term is the same. Borrowers can apply for portfolio loans from banks that accept provident fund loans. 3. Housing entrusted loans Housing entrusted loans refer to loans issued by banks to individuals who purchase ordinary houses that meet the prescribed requirements, and the source of funds is housing provident fund deposits. Housing self-operated loan is a loan issued to individual buyers from the source of bank credit funds. 4. Housing portfolio loans Housing portfolio loans refer to loans granted to individuals who purchase the same set of ordinary housing for their own use, based on housing provident fund deposits and credit funds, and are a combination of personal housing entrusted loans and self-operated loans. 5. Housing savings loan Housing savings loan refers to a loan in which buyers deposit money in the bank in advance to obtain a bank loan. It is a kind of contractual housing savings to solve the financial difficulties for those who have not participated in the provident fund or have obtained provident fund loans but still have a funding gap.

Three. ICBC Credit Card Repayment Date

ICBC's quasi-credit card does not enjoy interest-free repayment period, and the deposit bears interest. Although you can overdraw, there is no interest-free period.

After overdraft, interest will be charged at the rate of 0.5 ‰ per day from the overdraft bookkeeping date, and withdrawals from peers in the same city will be free.

A handling fee of 1% is charged for withdrawals from different places by peers, with a maximum of 100 yuan.

Inter-bank atm withdrawal fee 2-4 yuan (unlimited amount).

4. When will ICBC deduct the repayment?

In order to maintain a good credit record, please deposit all the funds into the repayment account before the repayment date 17: 00 as agreed in the contract. If you can't repay in full and on time, please make it up as soon as possible, and then the system will automatically deduct the money every day until all the arrears (including principal and interest) are recovered. Tips: If it is not convenient to deposit money in business outlets or machines, you can also use online banking and mobile banking. To transfer money, remit money and repay ~