When the bank deducts money, the amount on the card will be deducted in full when the account balance is insufficient. From the next day, as long as there is money on the card, it will be deducted until the interest of this period is paid in full.
The word "Mortgage" is a cantonese transliteration of the English word "mortgage", which refers to obtaining bank loans with real assets such as real estate or securities and contracts as collateral, and repaying the principal and interest in installments according to the contract. After the loan is paid off, the bank returns the collateral. Mortgage means that the mortgagor takes the mortgage beneficiary of property right transfer as the repayment guarantee. After the mortgagor pays off the loan, the beneficiary immediately transfers the property rights involved to the mortgagor. In this process, the mortgagor enjoys the right to use the property.
2. If the balance of mortgage deduction is insufficient, will the next deduction be made?
On the day of mortgage repayment, the banking system will make multiple deductions, that is to say, 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 then the lender can put the remaining amount into the bank card and wait for the second automatic deduction by the system. In order to avoid the failure of automatic deduction by the system, it is suggested that the payer transfer the full amount to the bank card 1-2 days in advance, so as to avoid the automatic deduction by the system during the peak repayment period, which will cause loans overdue to affect personal credit. Mortgage loan, also known as mortgage loan. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract. Housing loan Personal housing loan refers to a loan issued by a bank to a borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. Entrusted loan Personal housing entrusted loan refers to the loan granted by banks to individuals who purchase ordinary housing with housing provident fund deposits as the source of funds according to requirements. Also known as provident fund loans. Self-operated loans Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan. Portfolio loan Personal housing portfolio loan refers to a loan issued to the same borrower from the housing provident fund deposit and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loan and self-operated loan. In addition, there are housing savings loans and mortgage loans. Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc. Loan amount: 80% of the value of the loanable property after being audited by the bank. Mortgage down payment: 30% down payment for the first home mortgage loan and 50% down payment for the second home mortgage loan. Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age must not exceed 70 years old. Loan interest rate: the benchmark interest rate of the first home loan for more than five years is 6.55%, and the interest rate of the second home loan is 7.26% when the benchmark interest rate rises 1. 1 times. There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.
Third, the personal mortgage loan deduction is insufficient?
Hello, if you are handling the loan business of our bank and your loans overdue, you need to deposit the full repayment funds into the current account of your loan repayment account as soon as possible, waiting for the system to make up for it. The arrears of overdue loans include overdue principal, unpaid interest receivable, compound interest and penalty interest. When the repayment amount is less than the total amount owed, the system will compound interest, default interest receivable and overdue in the order of overdue time.
Overdue loans will be recorded in the central bank's credit information system. Apply for a loan or credit card later, and all banks can check it. The specific impact needs to be reviewed and judged by your application bank. It will produce overdue records and directly affect personal credit information. Customer's personal credit information will be evaluated when approving whether you can enjoy preferential interest rate. It is recommended that you keep a good repayment record.
I hope the above reply is helpful to you!
Fourth, the personal mortgage loan deduction is not enough
Hello, if you apply for loans overdue in our bank, you need to deposit the full repayment funds into your loan supplement as soon as possible. When the overdue loan is repaid, the overdue loan principal and interest shall be repaid in the order of compound interest, default interest, interest receivable and overdue principal.
Overdue loans will be recorded in the central bank's credit information system. Apply for a loan or credit card later, and all banks can check it. The specific impact requires your application record, which directly affects your personal credit information. It is recommended that you keep the repayment record when approving whether customers can enjoy preferential conditions.
I hope the above reply is helpful to you!