The banking system will not deduct money because the repayment date falls on the weekend, but it will still deduct money according to the normal process. Therefore, you don't have to worry that when the repayment date is the weekend, the bank will not deduct the money, which will make your repayment fail and overdue.
But everyone must ensure that the bank card used to repay the mortgage has enough funds in it on the monthly repayment date. In this way, the banking system can successfully deduct money, and the bank will not fail to deduct money because of insufficient balance in the card, which will cause overdue and affect personal credit.
If there is not enough money in the card, it must be deposited in time, preferably before the repayment date, so as to avoid the automatic deduction of money by the banking system when the money is filled in on the repayment date.
If the money is charged after the banking system has automatically deducted money, then in order to make the banking system deduct money in time, you can also contact the bank staff after charging the money and tell the other party that you have charged enough money.
Extended data:
Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee.
If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.
Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.
The intended use of the loan
Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.
Potential borrower
The loan object should be a natural person with full capacity for civil conduct. The borrower shall meet the following conditions:
1. Have permanent residence or valid residence status in cities and towns;
Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest;
Three, with the purchase of housing contracts or agreements;
Four, do not enjoy the purchase subsidy to not less than 30% of the total price of the purchased house as the down payment; 30% of individuals who enjoy housing subsidies are down payment for housing purchases;
Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors;
6. Other conditions stipulated by the lender.
information giving
The borrower shall provide the lender with the following information:
I. Identity documents (referring to resident identity cards, household registration books and other valid residence certificates);
2. Proof of the stable income of the borrower's family;
Three, in line with the provisions of the purchase contract letter of intent, agreement or other approval documents;
Four, the list of collateral or pledge, proof of ownership and the certificate of consent of the authorized person to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate;
Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department;
6. Other documents or materials required by the lender.
Treatment process
1. loan application: the customer fills in and submits the application form and application materials designated by CCB.
2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.
3. Loan approval: CCB conducts loan approval.
4. Signing a contract: After the customer's loan is approved, sign a loan contract with CCB.
5. Loan issuance: CCB will issue loans after meeting the requirements.
6. Customer repayment: the customer repays the loan on time as agreed.
7. loan settlement.