Legal analysis: The system deduction time of each loan undertaking bank is different, including automatic deduction in the morning and deduction at night. If it is deducted in the early morning, the money saved that day will not be deducted until the next day. Although it is one day overdue, as long as it does not cross the month, the banking system will generally not generate overdue records, but will generate penalty interest. So try to deposit the funds into the deduction account before the repayment date.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 403 Where a chattel is mortgaged, the mortgage right shall be established when the mortgage contract comes into effect; Without registration, you may not be able to fight well-intentioned third parties.

Article 404 Collateral may not be used against a buyer who obtains collateral at a reasonable price in the normal business activities.

Article 405 If the mortgaged property was leased or transferred before the mortgage was established, the original lease relationship shall not be affected by the mortgage.