1. Repayment at business outlets: The borrower can bring his/her ID card, repayment card, multiple cash or cash savings cards, etc. Go to the service outlets of financial institutions, clearly apply to the managers for repayment business process, and then give them repayment cards as required, and give them cash or savings cards that should pay back credit card bills.

2.ATM repayment: the borrower can take the repayment card and a large amount of cash to the surrounding ATM machines, insert the credit card according to the prompt, enter the payment password, and then choose the actual operation of saving to deposit the current arrears into the repayment card.

3. Card-tied repayment: The borrower can associate the savings card with the repayment card, and the financial institution will automatically deduct the arrears after repayment.

1. Default interest will be calculated if the mortgage is overdue for one day. Interest is different: the penalty interest of provident fund is 3.25%, and the penalty interest of commercial loans is charged according to the interest rate agreed in the loan contract of about 130% to 150%.

1, provident fund loan

If you use the provident fund loan to buy a house, and the mortgage repayment is overdue, you will be charged a penalty interest according to the loan interest rate 150%. At present, the annual interest rate of individual housing provident fund loans for less than five years (including five years) is 3.25%, and the annual interest rate of loans for more than five years is 3.75%. For example, Xiao He bought a suite with a provident fund loan, with a loan interest rate of 3.25% and a monthly mortgage of 3,000 yuan, so the penalty interest for one day overdue is 3,000× (3.25% ÷ 365×150% )×1= 0.40 yuan.

2. Commercial loans

If the commercial loan is used to buy a house, and the mortgage is overdue, the penalty interest will be charged according to the interest rate 130% to 150% agreed in the loan contract. Similarly, for example, Xiao He bought a suite with a commercial loan, and the interest rate stipulated in the loan contract was 3.95%, and he had to repay the mortgage of 3,000 yuan every month. If the penalty interest is calculated according to the agreed interest rate 130%, the penalty interest for one day overdue is 3000×(3.95%÷365× 10).

Second, the mortgage procedure

1. The borrower should fill in the Application for Housing Mortgage before the loan, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the purchase contract or agreement. 6. The loan applicant repays the loan every month.