The interest of bank mortgage is calculated from the day of lending, and users need to repay on time on the next month's repayment date. Since the next repayment date after the loan is released is not due, the interest from the loan date to the next repayment date is calculated on a daily basis, so it is normal for users to deduct more from the first mortgage.

What should I pay attention to when repaying my mortgage?

1. Pay attention to the change of monthly payment: friends who have already borrowed money to buy a house should not think about depositing a fixed amount of repayment on time every month. This idea is incorrect, because you need to pay attention to whether the bank's benchmark interest rate has changed. Once the bank's benchmark interest rate changes, your monthly payment will also change. Therefore, sometimes the monthly supply may increase in a certain month. If you don't pay in advance, you will be judged as overdue, which will have a great impact on your credit.

2. Pay attention to bank card transfer: At present, there are new regulations and changes in this bank card transfer method, so it is necessary to pay attention to repayment in this way. Some friends will deposit the house payment into the repayment account by bank transfer before the transfer date, but buyers should pay attention. If the amount is too large, it will not arrive in real time. Therefore, when you transfer money to the mortgage bank card, if the amount is too large, it is best to transfer it several times to ensure that it can be received in real time and avoid overdue repayment.

3. Be careful to cut off the mortgage: it is very important for the buyer to repay the loan on time after handling the mortgage. It takes a long time to repay the loan now, ranging from 20 to 30 years. During this period, many people may encounter some economic problems. But no matter what your problem is, you can't choose to cut off the supply without money, because the bank will have very serious punishment regulations.