There may be two situations causing out-of-synchronization:

①The actual purchase price you paid to the developer in the house purchase contract and the actual borrowing amount are inconsistent; for example: the total purchase price is 1 million , the actual down payment is 400,000, and the loan is 600,000; then China Construction Bank actually issues 600,000 to you, and the loan contract amount reflected in your credit report is 600,000;

② If the loan amount and credit report The amount is inconsistent; then it depends on whether the original actual loan amount and the loan amount originally issued to you according to the credit report are consistent; if the original loan amount is consistent, there is no problem; your current arrears amount will decrease with your monthly repayments. The principal amount of the loan is also decreasing, so there will be situations where your current loan amount will be inconsistent with the original loan amount;

Suggested solutions:

① Construction Bank mortgage loan contract The information is consistent with the information of your China Construction Bank mobile banking loan project; if it is inconsistent, it is recommended to consult CCB customer service;

:

1. The mortgage loan account number and the repayment account number are inconsistent. normal. After the mortgage application is successful, the bank will usually notify the user by text message. The text message will explain the loan execution interest rate, loan start and end time, loan amount, loan account number and other information. The loan account number refers to the individual tax declaration loan contract number, not the repayment account number. .

2. The repayment account number is easy to understand. It is the debit bank card number used by the user to repay the bank mortgage every month. The mortgage loan is usually automatically deducted from the repayment account by the user entrusting the bank. The applicant only needs to guarantee It is sufficient that the account has sufficient funds before the repayment date.

It must be my own bank card and cannot change the repayment of others:

1. The mortgage loan contract is signed by the borrower and the bank. The loan has been issued and the contract has taken effect. The person cannot be changed, so the mortgage loan can only be repaid by the borrower himself, and the payment must be debited from the bank card in the borrower's own name. Repayment by others cannot be changed.

2. 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.

3. If the card number changes after the repayment card is replaced, you should go to the personal loan center of the housing loan bank to go through the bank card change procedures in time to avoid delaying repayment.

How to change the card number of a mortgage repayment bank card:

First open a new card, and secondly, bring the new card, ID card, and loan contract to the original lending bank to change the repayment account. The procedure is enough, you still need to follow the following steps:

1. Go to the bank where you opened your account to change your card. You must bring your ID card and the old card in front of you, fill in a special business application form and make a copy of your identity card. You can apply for a copy of the card and pay a 5-yuan operating fee!

2. Changing a card means changing the card number. How can you have the same account number? The number of each bank card is unique! Unless it is a passbook, the discount will not be changed without changing the account number!

3. You can use it immediately after successfully changing the card!

4. The money in the old card will also be transferred to the new card. , but the online banking is bound to the old card number. How can you use the online banking with the old card number with your new card number? Apply for online banking with a new card! Remember to cancel the online banking with the old card first!