I will. Deduction of provident fund failed, and the second deduction was made. The deduction procedure for provident fund loans is an automatic deduction business set by banks. As long as the first deduction is unsuccessful, the system will automatically initiate the second deduction. Simply put, whether it is a bank commercial loan or a provident fund loan, it is automatically deducted by the computer system. If the first deduction is unsuccessful, it will be deducted again later.
The deduction time for provident fund loans is the 20th day of each month, and the deduction shall be made according to the balance of the provident fund account before the amount in the card is repaid. If the balance of the provident fund account is sufficient, the bank card will not be deducted, and if the balance of the provident fund account is insufficient, the bank card will be deducted.
Generally speaking, provident fund loans will only be deducted once a month on the repayment date, and will be deducted twice or even three times before the loan is paid off. According to the principle of deduction, the amount due in the current month will be deducted.
Is the second deduction of provident fund overdue?
Provident fund loans will be deducted twice, but after the repayment date. In addition, there is no grace period for provident fund loans. Even if it is paid off later, as long as it exceeds the prescribed repayment period, it will be considered overdue, which will not only charge a penalty interest, but also affect the credit investigation.
The bank will report the overdue records to the central bank's credit information system at T+ 1 After the credit information is updated, 1 overdue record will be displayed on the provident fund loan record. If there is any overdue in the future, the number will continue to increase and the consequences will be more serious. It will become more and more difficult to apply for a loan or credit card in the future, or even be refused a loan directly.
In short, even if the provident fund mortgage is insufficient, it can be deducted twice, and it is overdue after the repayment date. It is recommended to check whether there is enough money to deduct when repaying, and make it up on the repayment card in time.
Will the mortgage deduction continue if it fails?
Yes, 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 a 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.
It should be pointed out that:
1. In case of unexpected circumstances, resulting in delayed repayment, please contact the bank in time to explain the situation;
2. Complete the repayment in time, pay the late payment fee and penalty interest, and notify the bank to deduct the money again after the deposit;
In order to avoid this situation from happening again, it is suggested to deposit enough repayment funds in the bank card a few days in advance for repayment.
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According to the bank loan repayment regulations, if the first repayment reminder balance of the bank loan is insufficient, the bank will make a second deduction. As long as there is enough money in your withheld bank card, the bank will automatically deduct it. Bank loans require bank card withholding and repayment. Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
The loan can be repaid in advance. Early repayment is the part that the borrower pays more than the monthly principal and interest. The prepayment without fully paying off the mortgage loan is called partial prepayment. Through contractual arrangements, it is forbidden to repay in advance within the agreed time limit, which is called lock-up period. The lock-up period is 2- 10 years. After the lock-up period, the guarantee of prepayment usually adopts other methods, such as prepayment penalty or rate of return maintenance fee.
1. What if mortgage deduction fails?
For users, it is enough to ensure that the balance in the bank card for mortgage repayment is sufficient. If the first deduction fails, the second deduction and the third deduction will be initiated on the repayment date, as long as the subsequent deduction is successful. The balance in the bank repayment bank card is zero, and the system will directly deduct the money. Please deposit enough money into the repayment bank card in time so that the next automatic deduction can be successful. Of course, the balance in the bank card is sufficient, because the failure of deduction is the reason of the banking system itself. If it is overdue, this responsibility will be borne by the bank.
2. What should I pay attention to in mortgage repayment?
First of all, in any case, the borrower should repay the loan in full and on time. If the borrower fails to repay in full, it will cause bad personal credit, and there will be a certain late payment fee after overdue repayment.
Secondly, if the repayment date of the borrower does not belong to the business day of the bank, then the repayment time of the borrower should be no later than the last repayment date before the current repayment date.
Finally, if the borrower transfers money from another bank account to the account of the loan bank for repayment, the borrower should also consider the transfer time and go through the transfer procedures in advance to avoid personal credit failure due to the failure to receive the account within the last time of the current repayment date. Therefore, when the borrower applies for a loan from a lending institution, he must pay attention to the above-mentioned related problems during the repayment period, so as to avoid affecting his personal credit record due to overdue repayment or other unexpected events.
If the loan deduction fails, will it be deducted for the second time?
If the balance of bank loan deduction is insufficient, it will be deducted the next day. According to the bank loan repayment regulations, if the first repayment reminder balance of the bank loan is insufficient, the bank will make a second deduction. As long as there is enough money in your withheld bank card, the bank will automatically deduct it. Bank loans require bank card withholding and repayment. Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
1, the second deduction will be made after the balance of mortgage deduction is insufficient, but the difference must be made up before 24 o'clock on the deduction date. On the repayment date of the mortgage, the banking system will deduct several times. If the first deduction fails, the second deduction will be made until the mortgage is fully deducted. It is suggested that the repayment person transfer the amount to the bank card 1 2 days in advance, so as to avoid the failure of automatic deduction during the peak repayment period and the personal credit will be affected by loans overdue.
2. After binding the bank card and signing an automatic debit agreement with the bank, the bank system will automatically debit the repayment card for repayment on the repayment date. The deduction time of the banking system is generally not fixed. The deduction time of different banks may be different. However, it is usually deducted twice on the repayment date, once in the morning and once in the evening. And complete the deduction before 24: 00 pm on the repayment date. In the morning, most banks deduct money between 0 am and 6 am; The charge deduction time at night is generally around 19, and may be between 17 and 2 1. If there are special circumstances, it may be delayed.
3, so the final prepayment, if you plan to prepay, you must pay attention to making an appointment with the bank first. The appointment time generally needs to be within the loan period, one year after the loan is issued. With the consent of the bank, you can apply in writing to repay part or all of the loan in advance. It takes 2-7 working days for a general bank to handle business. Banks have different regulations on early repayment of loans, so lenders must make clear the operating procedures of loan banks before deciding to repay loans in advance.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.