Ping An Bank loans overdue has no influence for 5 days.

At present, the grace period of Ping An Bank for overdue customers is 10 day. For customers with a debit date of 5 days, if the account balance of 5 days is insufficient, this overdue record will not appear in the credit information system as long as the money is replenished before 15.

The grace period for SDB customers is 7 days, and that for Bank of Communications is generally 3 days.

I. Overdue loans

Loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to repay the principal and interest of the loan to the bank that issued the loan according to the loan term agreed in the loan contract, and fails to go through the relevant extension or lending procedures, resulting in the loan exceeding the agreed term.

Second, how to control loans overdue?

The initial review of customer qualification by the review post.

As the first line of defense of loan risk, the review post should pay attention to the acceptance process and be vigilant. The application materials submitted by the applicant shall be reviewed for completeness, completeness and compliance.

Whether the applicant's subject qualification meets the relevant business requirements of our bank and whether there is a bad credit record.

Whether the loan purpose is in line with our credit policy and whether it is specific.

Whether the loan investigation report is complete, whether the calculation of key financial indicators is accurate, whether the obtained data is cross-verified, whether the customer credit rating table is reasonable, and whether the suggestions in the investigation report are reasonable.

Verify the borrower's information by telephone to ensure that the guarantor of the loan understands its guarantee responsibility and whether the team members of the joint guarantee loan understand its joint liability.

The unqualified business is returned to the loan officer, and the loan officer supplements the corresponding materials or refuses to lend according to the examination opinions.

Ping An Pratt & Whitney hasn't deducted money this afternoon 10.

If Ping An Pratt & Whitney misses the unified deduction time when repaying, don't panic. As long as the loan is repaid before 24: 00 on the repayment date, it is not overdue. After missing the deduction, the lender can choose to take the initiative to repay, or notify the platform to deduct on the premise of ensuring sufficient funds.

If you miss the repayment date and fail to repay in time, this behavior is overdue and will have a serious impact on personal credit information. In order to avoid overdue, the lender shall ensure that there are enough funds in the fund account for the bank to deduct on the repayment date.

When was the latest deduction on the loan repayment date of Ping An Bank?

Six o'clock in the evening

The latest deduction on the repayment date of Ping An Bank's loan is to automatically debit the bank card before 6 pm that day. If you want to go to the central bank for credit information after the deadline, Ping An will deduct the money before six o'clock, and then it will not be automatically deducted, so you need to wait for the next day.

If the latest deduction fails, the SAFE staff will call to collect it the next day. If the phone is turned off or muted before going to bed, Ping An Bank or the bank's agent will call several contacts left behind during the loan.

According to the monthly repayment date determined in the loan contract, the money shall be deposited into the repayment account at least one day before the repayment date every month to ensure the full deduction, so as not to affect the personal credit record and generate penalty interest.

Extended data:

On September 4, 2020, Anhui Housing Provident Fund Management Sub-center issued a notice. From September 20th, all provident fund loans will be accounted for independently. Since that day, the repayment date of the provident fund loan has been uniformly adjusted from the repayment date agreed in the original loan contract to the 20th of each month.

The Center entrusts banks such as China Construction Bank Co., Ltd. and Hefei Zhonglou Sub-branch to issue provident fund loans, all of which are independently accounted by the Center. The loan data of the Central Provident Fund undertaken by Jianzhong, Jianshan, Bank of Communications, Postal Savings, Minsheng and Pufa were transferred to the central system, and the subsequent repayment was changed to the central system.