Do I have to repay my bank card to repay the mortgage? Can it be changed?

It must be my own bank card, and cannot be changed for other people’s repayments.

The loan contract for a home loan is signed between the borrower and the bank. The loan has been issued and the contract has come into effect. The borrower cannot change it. Therefore, the home loan can only be repaid by the borrower himself, and it must be the borrower himself. The bank card deducted in your name cannot change the repayment by others.

If the repayment card is lost, go to the loan bank immediately to apply for a replacement card. If you cannot get the replacement card before the repayment date, contact the personal loan center of the mortgage bank to handle the repayment matters.

If the repayment card is changed after replacement, you should go to the personal loan center of the mortgage bank to go through the bank card change procedures in time to avoid delaying repayment.

Extended information

The process for changing the bank card of the mortgage repayer:

1. I have my ID card, the changed bank card, and the mortgage contract ready.

2. I bring the information to the personal loan center of the mortgage bank.

3. Fill out the form and schedule an appointment.

4. Call the number at the window and go through the formalities.

Can a bank loan card be used as a regular bank card?

1. The card used to repay a bank loan can be used as a regular bank card; however, the bank card is defaulted as a repayment card in the bank system where the loan is taken, and the interest will be automatically deducted from the card every month. It will not affect daily access and use. However, don’t forget to ensure that you have enough balance to repay the loan on the repayment date. If the balance is insufficient and the payment cannot be deducted, your personal credit record will be affected.

2. Personal loan repayment methods

1. Repay the loan in equal monthly installments according to the signed payment contract. Customers should proactively deposit the full monthly loan principal and interest in their house purchase savings account before the monthly repayment date stipulated in the loan contract, and the bank will deduct the monthly repayment;

2. Early repayment: Customers should apply to the bank one month in advance to avoid loan interest for the advance period, but the interest rate will still be based on the same period of the original loan period. For personal housing loans, the borrower can repay the loan early with the consent of the lender. Borrowers can choose the following two methods for early repayment:

(1) All early repayments. Borrowers can apply for early repayment of the unpaid loan principal and interest in full at once.

(2) Partial early repayment. The borrower applies for partial early repayment, and the loans that should be repaid in several periods during the entire loan period are concentrated in one period for repayment. For the remaining unpaid loans, the original agreed loan repayment period can be shortened, or the original agreed loan repayment period remains unchanged and the monthly repayment amount can be reduced.

Extended information:

About the loss of the bank card for loan repayment

1. If the bank card is lost, please bring your ID card to the card-issuing bank to report the loss and replace the card, and inform at the same time If the bank card of the lending bank is lost, notify the lending bank of the new card after replacing the card;

2. The process of replacing the lost bank card:

1. To report the loss of the bank card, you need to pay 10 yuan for service Fee:

(1) You can report the loss verbally over the phone first to ensure the safety of the account funds;

(2) Then go to the bank business hall and fill in the loss report application form;

(3) After successfully reporting the loss, take it and keep it properly.

2. The loss report will officially take effect after seven days. Go to the bank with your ID card to handle the card replacement business:

(1) Go to the bank with your ID card and the loss report receipt;

(2) Queue up to get a number;

(3) After the number is called, give the teller the information needed to apply for a new bank card;

(4) Wait a moment and enter the new card Password, sign on the business confirmation form;

(5) Get your ID card back and get a new bank card.