Mortgage deduction is usually from 0: 00 to 23: 59 on the same day, and the deduction time of different banks is different. For example, ICBC's mortgage payment starts at 0: 00, CCB starts at 8-9: 00 in the morning, and BOC's mortgage payment time is between 00:00-2 1:00. Even if the first deduction fails, the bank will make the second and third deductions on the repayment date to prevent users from overdue repayment.

The deduction time of each bank is different, which can be roughly divided into two situations:

1. Deduct the money on the loan date every month. For example, September 1 deduction, 10/0 deduction, and so on.

2. Whenever the loan is released, it will be deducted on the 20th of each month. For example, September 1 lending, then September 20 deduction, and so on. When to deduct money is related to the system of each bank.

Regarding the deduction time of mortgage, everyone may be different. The bank did not uniformly stipulate that the mortgage needs to be repaid before the date of each month. After all, everyone applies for a mortgage at a different time. The bank will inform the borrower when to repay after approval, so the borrower only needs to repay on time according to the repayment time stipulated by the bank.

Because when you apply for a mortgage, you usually sign a withholding agreement with the bank, so on the repayment date of each month, the bank system will automatically deduct the corresponding amount from the repayment account bound by the borrower for repayment. Therefore, the borrower only needs to ensure that the funds in his repayment account are sufficient, and does not need to take the initiative to repay every month.

Everyone should pay attention to the good habit of paying back on time, and pay more attention to whether the money in the repayment account is enough. In order to avoid the failure of repayment due to insufficient balance of repayment account, resulting in overdue and affecting personal credit. Of course, if it is not paid for the time being, you should contact the bank as soon as possible to discuss whether the time limit can be extended (some banks have a grace period, and they can't pay it back before the due repayment date, so try to pay it back within the grace period).