The deduction time of ABC is not specified, but the mortgage deduction time is generally around 17: 00-2 1: 00.
Therefore, if the repayment date of your housing loan is the 20th of each month, you should make sure that there is enough money in your card to repay the mortgage of that month before 5pm on the 20th, so as to avoid the failure of deduction. If the deduction of personal housing provident fund fails on the repayment date, you need to consult the bank whether it will automatically make up the deduction.
1, individual housing provident fund loan:
Personal housing provident fund loan is a loan that employees who pay housing provident fund units to the fund management center on time in a specified period, buy or build their own houses (including second-hand houses) in this city, use their own property houses as collateral, and apply to the fund management center for guarantee by a legal person with guarantee ability. Loans can be issued by banks entrusted by the fund management center.
2. Personal housing commercial loans
It can be roughly divided into six varieties:
(1) Personal housing loan (including forward house and existing house);
(2) Personal second-hand housing loans;
(3) individual housing renovation loans;
(4) Personal housing consumption loans;
(five) personal commercial housing loans;
(6) individual housing portfolio loans;
(1) Personal housing loans refer to loans issued by banks with purchased houses as collateral, including mortgage loans for forward houses and existing houses. Among them: the auction house refers to the house under construction or the house that has been completed and accepted and is in the process of handling the real estate license; Xianfang refers to the house that has been completed and accepted and obtained the property right certificate. The maximum amount of personal housing loans issued by banks is 80% of the purchase amount.
(2) Personal second-hand housing loans refer to loans issued by banks to borrowers for the purchase of second-hand housing. Among them, second-hand housing refers to the housing that has obtained all property rights and can enter the secondary market of real estate for circulation and trading. The age of applying for a loan for a second-hand house is generally not more than 15 years; The sum of the loan term and the house age is generally not more than 25 years.
(3) Personal housing renovation loans refer to loans issued by banks to borrowers for renovating their own houses. The maximum proportion shall not exceed 50%, and the loan period shall not exceed 5 years.
(4) Personal housing consumption loans refer to loans issued by banks to borrowers for family expenses. The maximum proportion shall not exceed 50% of the assessed value of the collateral, and the longest loan period shall not exceed 10 year.
(5) Personal commercial housing loans refer to loans granted by banks to borrowers for purchasing personal self-operated commercial housing and self-occupied office housing. The purchased commercial house shall be an existing house, with the highest proportion not exceeding 60% and the longest loan period not exceeding 10 year.
(6) Individual housing portfolio loans refer to loans composed of housing provident fund loans and housing guarantee loans, that is, when individuals apply for housing provident fund loans to pay the purchase price, the insufficient part applies to the bank for commercial housing loans. The two loans bear interest according to the provident fund loan interest rate and the commercial loan interest rate respectively, and the loan term is the same. Borrowers can apply for portfolio loans from banks that accept provident fund loans.
3. Entrusted housing loans
Housing entrusted loan refers to the loan issued by the bank to individuals who purchase ordinary housing as required, and the source of funds is housing provident fund deposits.
Housing self-operated loan is a loan issued to individual buyers from the source of bank credit funds.
4. Housing portfolio loans
Housing portfolio loan refers to the loan from the housing provident fund deposit and credit funds to the same person who buys the same set of ordinary housing for their own use. It is a combination of personal housing entrusted loan and self-operated loan.
5. Housing savings loan
Housing savings loan refers to a kind of loan on the premise that property buyers deposit money in advance in order to obtain bank loans. It is a kind of contractual housing savings to solve the financial difficulties for those who have not participated in the provident fund or have obtained provident fund loans but still have a funding gap.
When will the ABC mortgage be deducted at night?
Taking Fuzhou, Fujian Province as an example, the mortgage deduction time of ABC is about 17:00.
On the day of mortgage deduction, banks usually transfer money in batches, but the time of batch deduction is not necessarily the same for each bank. Therefore, banks generally advise cardholders to deposit money into deduction accounts before repayment date.
Take Fuzhou Agricultural Bank as an example. A few days before the repayment date, the bank will send a short message to remind the customer that X is the last repayment date, and it is necessary to deposit the mortgage before the repayment date 17 to ensure that the account balance can be transferred. Due to the different time of bank mortgage deduction, if the cardholder does not understand this "law", it is easy to exceed the time if he is not careful.
Banks generally evaluate customers' credit records according to the standard of "three consecutive years and six consecutive years". The so-called "three times in a row, six times in a row" refers to the overdue repayment of "three months in a row, six times in total". Suppose a customer's mortgage is overdue for three consecutive months or accumulated six times. If he applies for a loan again, the bank will certainly be more cautious.
Extended data:
Agricultural Bank of China's mortgage repayment deduction is generally 17 pm to 2 1 pm. As long as the bank card is normal, there is enough money in the card before the repayment date 17. Note that the card was already rich at that time, instead of starting to transfer money to the card through channels at that time. Because the connecting flight may take some time to arrive, there is no problem. Usually it will be deducted at the party.
Never wait until the repayment date 17 o'clock to transfer the money to the repayment account, because it will take some time to transfer the money to the account. If the deduction is not successful in this gap, it may cause loans overdue. Therefore, if you have a mortgage from ABC, you must deposit all the repayment funds into the repayment account before the repayment date 17.
People's Daily Online-The mortgage repayment on the deduction date is prone to overdue records, and it is difficult to refinance after overdue loans for many times.
When will the ABC mortgage be deducted?
17 pm to 2 1 pm.
After handling the mortgage business of ABC, ABC will ask the lender to provide an ABC bank card as a repayment card, and will deduct money from the repayment card account on each repayment date to recover the loan. Therefore, the lender must deposit enough funds to repay the current loan principal and interest in the repayment card deducted by the Agricultural Bank of China.
As for when the Agricultural Bank of China will deduct money on the mortgage repayment date, this is not clear.
In order to avoid the failure of deduction or the inability of the bank to deduct money, the lender had better ensure that the repayment amount reaches the account before the agreed repayment date 17:00. So we see that ABC will deduct money after 17:00.
Many people may ask, if you deposit money in the card after 17:00, does it mean that the Agricultural Bank of China will not deduct money? Actually, it is not. As long as your current loan is not paid off, ABC will always deduct money from your account, but there is no guarantee that it will be overdue.
According to many friends' feedback, the Agricultural Bank of China will not deduct any more money after the repayment date 10:00. Therefore, if the deposit time exceeds 10:00 at night, the risk of overdue will be great.
If the deduction fails on the repayment date, the system will continue to deduct as much as possible at the end of the next day. However, because the mortgage has no grace period, it will be overdue if it is deducted one day later, and even if it is repaid, it will take five years to eliminate the bad credit record.
Advance repayment process of agricultural bank mortgage loan:
First, telephone appointment
At the same time, carefully check the bank's prepayment requirements and pay attention to whether it is necessary to prepare prepayment penalty.
Second, fill out the application form.
After receiving the notice from the other party, go to CCB-CCB outlets to get the application form and fill it out. At the same time, prepare the required materials, identity cards, loan contracts, etc., and submit them to the bank for approval.
Third, the bank telephone notice
After the bank approves, the bank will call.
Fourth, go through the repayment procedures.
The repayment person carries the relevant documents to the bank to handle the prepayment procedures.
Verb (abbreviation for verb) prepays.
After the formalities are completed, go to the bank counter to repay the money, and some banks can directly transfer the money to the card.
Intransitive verb others
If it is paid off at one time, you need to decompress and cancel.
When does the Agricultural Bank deduct the mortgage?
Agricultural Bank of China's debit system will be automatically shut down before 9: 00 pm. After the system is automatically shut down, it will not be able to carry out the debit service. To put it simply, the mortgage deduction time of ABC is before the repayment date of 2 1, and the borrower must deposit enough money before each repayment date of 17:00 to repay the principal and interest of the current loan. If the funds in the repayment account are insufficient to pay off the current loan principal and interest, it shall be deemed overdue.
Agricultural Bank of China, whose predecessor can be traced back to the Agricultural Cooperative Bank established by 195 1, is the first professional bank established in the new China period and the first state-owned commercial bank established in new China.
1979 February, the Agricultural Bank of China was re-established with its headquarters in Beijing.
1979 On February 23rd, the State Council issued the Notice on Restoring Agricultural Bank of China.
In June 1984, the Agricultural Bank introduced the first World Bank loan.
On June 24th, 1985, Agricultural Bank of China unified the font of bank names for the first time.
1on June 25th, 985, the central government decided to set up the Party Committee of Agricultural Bank of China.
1994, China Agricultural Development Bank was established separately.
From 65438 to 0996, rural credit cooperatives and Agricultural Bank of China broke away from administrative subordination, and Agricultural Bank of China began to transform into a wholly state-owned commercial bank.
During the period of 1997, the divestiture speed of ABC's policy business accelerated.
1999, agricultural bank of China, industrial bank and China construction bank stripped 1.4 trillion yuan of non-performing assets from the four major asset management companies.
In 2004, the Agricultural Bank of China first reported the share reform plan.
In 2004, Agricultural Bank of China actively supported public welfare undertakings, organized employees to carry out the donation activity of "China Agricultural Bank's 10,000 mu employee forest demonstration project" in Dingxi area of Gansu Province, and donated 5.478 million yuan to contribute to "recreating beautiful mountains and rivers in the west"; According to incomplete statistics, in order to help people in disaster areas rebuild their homes, they donated 2.838 million yuan to Southeast Asian countries that suffered from the Indian Ocean tsunami. Donated more than 654.38 million yuan to the China Foundation for Poverty Alleviation; Expenditure to designated poverty alleviation counties in the State Council 1 10,000 yuan; Insist on donating money to poor female employees in the financial system, with a donation amount of 892,000 yuan.