Unreasonable. Mortgage repayment means that the bank automatically deducts money from the bank card bound by the borrower on the monthly repayment date, and it will not be advanced or delayed, so it is unreasonable to deduct money one day in advance. Mortgage refers to housing mortgage, which means that the lender mortgages to buy a house, repays the housing loan to the bank on time every month, and obtains the loan with the real estate as collateral.

When is the mortgage usually deducted?

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When is the mortgage usually deducted?

When the mortgage is deducted depends on the processing time of the bank, and the deduction time of each bank is different. Therefore, when repaying the loan, the lender should repay the loan according to the time stipulated by the bank. As long as the money is transferred to the bank card, the system will automatically deduct the money, and the mortgage must not be overdue, otherwise it will affect the credit problem of the lender. Moreover, the deduction is usually 8- 12 in the morning, and the loan should be deposited into the account in advance.

What should I pay attention to when buying a house with a bank loan?

1, the information provided to the bank should be true.

When applying for a loan from a bank, the applicant must first provide the bank with real information, such as his income certificate, personal occupation, credit record, etc. Lenders must seek truth from facts and provide true information. If found, the bank will not allow loans.

2. Apply for the loan amount according to your own ability.

When applying for housing loans, lenders should also make a correct judgment on their own economic strength and repayment ability, and at the same time, they should also look at their future income and expenditure, do what they can, and don't bring pressure to their lives.

3. Try to borrow whole numbers for loans.

Try to use whole numbers for bank loans, with tens of thousands as the unit, such as 400,000 and 500,000, otherwise it will be difficult for banks to get loans.

4. Quit as little as possible before buying a house.

If you buy a house with a loan, your job must be stable. If you change jobs frequently, the bank will doubt your integrity and it will be difficult to get a loan. If you want to buy a house quickly, don't resign at will, or you won't be able to pay your monthly payment if you are unstable.

5. Choose a good loan bank for mortgage.

At present, there are many loan banks, and the loan ratio of each bank is different. It is necessary to choose a suitable loan bank. And it's best to choose big banks. The services of big banks are very detailed and there are many concessions, so it's best to choose loans from four big banks.

Bian Xiao concluded: The content about when to deduct the mortgage is briefly introduced here, hoping to help everyone! The time of mortgage deduction depends on the banking system, which will automatically deduct the loan, so what the lender has to do is to repay the loan in advance.

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Is it normal to deduct the mortgage three days in advance?

Normal.

Mortgage prepayment generally needs to be saved about 3 days in advance, so that the bank will automatically deduct the balance to be repaid from the bank card on the repayment date. Saving in advance is to avoid unsuccessful deduction.

Before deduction, the system will confirm the user's current repayment status. If the user's repayment has been recorded, the system will not deduct the bank card for the second time.