The first 1 month repayment of the mortgage is more than expected 100, which is also because there are more repayment days in the first month.

Personal advice:

For mortgage deduction, it is defined according to the deduction time of different banks. Take Bank of China as an example. If the monthly repayment date is 1 and the loan date is June 14, then July 1 is only 16 days. Less than one month, the mortgage is not calculated, and it will be accumulated next month. Therefore, the repayment in 1 month will be 100 yuan more than the budget. If you have other questions, you can also go directly to the local bank for business consultation with relevant documents. Generally speaking, banks will not make calculation errors. For mortgages, there must be no overdue behavior. Once the overdue time is too long, it will seriously affect your personal credit information.

As the parties to the mortgage contract, it is our obligation to repay in full and on time according to the conditions stipulated in the contract. Now the country has realized the inter-bank credit system. If you don't repay in time, it will be blacklisted in the bank's credit information system, which will affect your future business in the bank, so each of us should repay in time according to the contract.

Extended data:

Mortgage loan process:

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 selling unit or building unit specified in the purchase contract or agreement.

6. The loan applicant repays the loan on a monthly basis.

Why are there more down payment mortgages?

When applying for a loan to buy a house, the money to be repaid in the first month is several thousand more than the monthly payment after that, which should be mainly due to the difference between the loan issuance date and the monthly repayment date.

The mortgage down payment interest is generally calculated according to the actual number of days occupied, and the first deduction usually needs to expire. If it is less than one month, the corresponding repayment date of the current month will not be deducted, and it will be postponed to the corresponding repayment date of the next month. Because of this, many people have to pay an extra month's interest for the first mortgage repayment. The first payment will naturally be more than the subsequent monthly payment.

For example, suppose a customer applies for a mortgage, and the loan funds will be released in June 15. Since it is less than one month away from July 1, it will be postponed to August. And wait until August 1 after deducting the first month's payment, there will still be one and a half months. As for the second month's payment, September 1 deduction, the time is only one month, naturally not as much as the first month.

Mortgage prepayment skills;

First of all, there are three ways to prepay.

There are three ways to repay the loan in advance: one is to repay the loan in advance, that is, the buyers collect the arrears and pay off all the remaining loans and mortgages at one time, which is suitable for people with abundant funds. Second, partial prepayment, shortening the loan life, and keeping the monthly repayment amount of the remaining loans unchanged, which is suitable for people with stable jobs and incomes, such as civil servants and personnel of public institutions. The third is to keep the repayment period unchanged and reduce the monthly repayment amount of the remaining loans, which is suitable for people whose family income is expected to decline or whose family expenses will increase in the future, such as ordinary workers and farmers.

Second, prepayment is suitable for two groups of people.

If you apply for provident fund loans or portfolio loans, it is not appropriate to repay in advance. If the mortgage is repaid in advance, the commercial loan must be repaid first. Because provident fund loans contain policy subsidies, the loan interest rate is much lower than that of commercial loans. Buyers and sellers in business need more liquidity. If the return on investment is higher than the loan interest rate, there is no need to choose to repay the loan in advance.

Early repayment is mainly suitable for lenders who are in the early stage of repayment or the loan interest rate rises more, because in the early stage of repayment, the principal base is larger and the interest is correspondingly higher. If you have idle funds on hand and have no good financial management direction, prepayment is also a good choice.

3. There are two time points for prepayment.

Most property buyers will choose one of two repayment methods when applying for housing loans: equal principal and interest or average principal. Matching principal and interest means that the monthly repayment amount is equal, the average capital decreases month by month, and the first month is the largest. If equal principal and interest are used for repayment, pay attention to prepayment when the total loan life is less than or equal to 1/3. If repayment is made with the same principal: if the total loan life is less than or equal to 1/4, repayment can be made in advance.

Fourth, pay attention to the bank's requirements for early repayment.

If buyers don't want to repay in advance, they must know the requirements of the bank. For example, many banks have a certain number of years and amount requirements for prepayment, and even charge a certain penalty, some of which are charged according to the interest for several months, and some are charged directly according to the loan ratio.

When applying for prepayment, buyers should also consult the bank in advance to see how long it takes to apply in advance and what materials need to be prepared. After the loan is paid off, buyers should also remember to go through the formalities of mortgage.

Do you need to deduct more money in the first month of mortgage?

Whether to deduct more money in the first month of mortgage depends on the actual amount deducted. Due to the first deduction, the time from the appropriation date to the repayment date may exceed 30 days, so the actual deduction amount will be higher than the repayment amount calculated before, and the extra days will bear extra interest. And the first month is normal deduction, then the last month will deduct more money.

Different banks deduct money in different ways. Some banks deduct more money in the first month, while others deduct more money in the last month.

How to deduct the first month loan?

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There are two ways to buy a house, one is full payment, the other is mortgage loan, and mortgage loan is bound to face repayment problems. So how to deduct the first month mortgage? What problems should I pay attention to when repaying my mortgage? Let's take a look with Bian Xiao!

How to deduct the first month mortgage:

Generally, the mortgage will be deducted from the second month after the loan. When the loan is deducted, the money will be directly deducted from the bound bank card. There will be more deductions in the first month, because the bank will add interest when repaying. At first, the loan interest is the highest, and then it is getting less and less. If the deduction amount cannot be calculated, you can directly log in to the loan interface and repay the loan according to the above amount.

What problems should I pay attention to when repaying my mortgage?

1. Pay attention to holiday mortgage repayment.

Mortgage repayment is not divided into holidays, and people can have a holiday and rest. However, it must be remembered that the mortgage deduction time is the same as usual, and the account funds must be sufficient to avoid overdue.

2. Pay attention to non-malicious overdue repayment.

If you are busy and don't pay attention, you will forget to pay the mortgage. Don't panic when you encounter non-malicious overdue repayment. You should call the bank first and pay off your debts within the grace period of the bank, so as not to affect your credit.

3. Pay attention to prepayment of mortgage.

Friends who want to prepay depend on how the loan contract stipulates prepayment, whether their situation is suitable for prepayment, and whether prepayment can save interest.

4. Pay attention to the repayment of inter-bank mortgage.

Many friends will use inter-bank transfer for repayment, but it is best to avoid the outage period of the central bank's payment and clearing system and try to credit the repayment into the account in advance, just in case.

Summary of the article: Well, the knowledge about how to deduct the first month mortgage and what problems should be paid attention to when repaying the mortgage is introduced here. Some friends who need more information, please continue to pay attention to Qijia. We will provide you with more exciting content later.

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