first, determine whether the bank card that repays the mortgage is rich, and the related business of automatic deduction has been handled in the bank. According to the notice of China Banking Regulatory Commission and Yang Ma, banks can assist in the extension of mortgage repayment according to the customer's situation. After handling the deferred repayment, there is no penalty interest within the deferred repayment period, and no bad credit record is reported, but the deduction rules of the banking system have not been adjusted, so how much is deducted from the repayment account until the full amount is deducted. In addition, there is no information prompt problem. You need to check whether there is no SMS notification function on your account, so you have not received the prompt. I. the transaction amount exceeds the balance of the card

if you use the bank card to make a transaction and the balance is insufficient, but the card clearly has money, this situation is probably because the transaction amount exceeds the balance of the card, so the balance will be insufficient at the time of transaction, leading to the failure of the transaction.

second, it belongs to time deposit

The money in a bank card can be divided into two types: fixed deposit and current deposit. If there is money in your card but the balance is insufficient, it is probably because you have fixed deposit in your card, but the fixed deposit can't be used, so it may lead to the insufficient balance when you use the card.

Third, system reasons

When you use a card, whether you swipe your card on a POS machine or conduct transactions online, the system needs to read your bank card information first, so it may be because of system reasons that the card information reading failed. The mortgage is automatically deducted, and the balance of the deduction account is insufficient, and the money is immediately deposited into the deduction account on the same day, so it is necessary to notify the bank to deduct again. ① Deduction before deposit: failure of deduction is recorded as breach of contract; 2 Deduction after saving money: successful deduction is not a breach of contract. Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and owners of real estate (including developers/owners of second-hand houses), also need the participation of appraisal companies and mortgage guarantee companies

when applying for loans. According to the statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, at the end of 21, the utilization rate of mortgage has reached a high level in major first-tier cities in China < P >. In terms of mortgage loans for house purchase, the proportion of loans has reached more than 7%, and in recent years, the number of residents who apply for mortgage loans for real estate consumption by using their own names or relatives' real estate has also increased. "Mortgage" has become a way of life closely related to residents' lives.