Hello, the balance of automatic loan deduction is insufficient. If the lender initiates multiple deductions on the repayment date, the system will deduct again on the repayment date. On the repayment date, the system will only start automatic deduction once. When the balance of automatic deduction is insufficient, the system can only make up the deduction the next day. Because the next day's deduction is easy to cause overdue, when the balance of automatic deduction is insufficient, users can take the initiative to make up the repayment amount. As long as the user repays in full on the repayment date, whether it is automatic deduction or voluntary repayment, the lending institution will regard the user as timely repayment.

1. If the general loan is automatically deducted, the loan is generally a mortgage. On the day of mortgage repayment, the banking system will make multiple deductions, that is, when the balance of the first deduction is insufficient, the system will make the second deduction at any time until the mortgage is fully deducted. When the balance of the bank card is insufficient to pay the mortgage, the system will deduct the current balance of the bank card first, and the lender can input the remaining amount into the bank card to wait for the second automatic deduction system. In order to avoid the failure of automatic deduction, it is suggested that the payer transfer the full amount to the bank card 1-2 days in advance to avoid the automatic deduction period caused by the peak repayment period, which will lead to loans overdue and affect personal credit.

2. Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral. According to the source of loans, it is divided into provident fund loans and commercial loans. According to repayment methods, it can be divided into equal principal and interest repayment method and average capital repayment method. The mortgage interest rate is based on the benchmark interest rate of banks in the same period, and the loan interest rates of different banks have risen slightly.

3. You can apply for deferred repayment of the loan. If not, the customer actively contacts the customer service of the handling bank (lending institution/platform) to explain the situation, indicating that it is temporarily unable to repay the loan, and provides corresponding proof materials (such as unemployment certificate and labor contract dissolution certificate). ), and then try to apply for an extension of the repayment period and repayment by installments. Banks (lending institutions/platforms) will consider it as appropriate. Of course, the bank (lending institution/platform) will not allow the customer to apply for an extension if the customer obviously has the repayment ability but deliberately refuses to repay.

4. It should also be noted that some lending institutions themselves also provide extended services, such as household credit consumer finance. If the customer purchases the flexible guarantee service package when handling the loan, he can apply for extension directly at least 15 days before the next repayment date, as long as he repays the loan in full and on time for five consecutive times (the flexible guarantee service package also provides the service of changing the repayment date, which can be flexibly repaid).