You need to deposit the money, and then call the bank immediately and tell it that you can deduct the money. Because the repayment time is missed, the bank will not automatically deduct the money, so we need to call the bank at the first time to explain the situation, otherwise your overdue repayment will become more and more serious.
Mind you, it's best not to pinch repayment like a credit card. It's best to save money some time in advance, and then wait quietly for the bank to deduct money, which is the safest.
Housing mortgage process:
1. Personal housing portfolio loan refers to a loan granted to the same borrower for the purchase of self-occupied ordinary housing based on housing provident fund deposits and credit funds. It is a combination of individual housing entrusted loans and white camp loans. In addition, there are housing savings loans and mortgage loans.
Two, personal housing loans refers to the bank according to the entrustment of the housing provident fund management department, with the housing provident fund deposits as its own source, according to the requirements of the individual to buy ordinary housing loans. Also known as provident fund loans.
3. Personal housing self-operated loans are loans granted to individual buyers based on bank credit itself, also known as commercial personal housing loans. The bank's loan name is also different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.