After buying a house with a postal bank loan, repayment will start from the second month after the loan is decentralized, and there will be a fixed repayment date, which will be marked in the contract. When the system automatically deducts money on the repayment date, the payer needs to ensure that there is enough funds in the bank card he repays.

When is the post bank mortgage deduction?

Please refer to the repayment time of the postal bank loan agreed in the loan contract. If the specific time is not registered in the contract, it is suggested to deposit the loan principal and interest that I should repay in this period into the repayment account before the repayment date 17: 00, and the system will automatically deduct the money. If you can't repay in full and on time, and the deduction is unsuccessful, please make up the deposit as soon as possible, and the system will automatically make up the deduction until the due amount is deducted.

The deduction of bank mortgage loans is as follows:

1 The deduction date of the mortgage has been agreed in the contract. Generally, the deduction time agreed in the contract is the corresponding date of the loan issuance date, and a certain day can also be designated as the repayment date. If there is no such date in the repayment month, it is the last day of the month. You can also consult the loan processing outlets.

2. On the repayment date of some loans, the number of deductions in the morning will increase. Please ensure that the account balance is sufficient on the repayment date. If the deduction in the morning is unsuccessful or the full amount is not deducted due to insufficient balance, the deduction will still be made in the evening.

If the green card shows signs of swallowing up the card, the loan cannot be deducted. If you need to repay your credit card, you can do it yourself through electronic channels such as mobile banking, online banking and WeChat.

Failure to repay the mortgage loan of Postal Bank on time may lead to overdue and penalty interest. As long as loans overdue, regardless of the amount, the system will automatically report it to the credit information system of the People's Bank of China, which may affect personal credit records. If it is overdue, please deposit enough funds in the loan account as soon as possible, and the system will automatically make up the deduction. If the deduction is unsuccessful, please contact the loan handling bank as soon as possible for verification and handling.

If the system does not automatically arrange deduction for your mortgage on the repayment date, it is recommended to check whether the bank card status is abnormal, which leads to the failure of deduction, so as to avoid causing more trouble.