There is no deduction in the first month of mortgage loan because the system will not initiate deduction in the month of loan lending, and the first time the system initiates deduction is the second month of the month of loan lending. When automatic deduction is made in the next month, in addition to the repayment amount in the first month, the interest generated in the lending month will be deducted, so that the amount of the first deduction will be higher than the repayment plan in the first month. In addition, the loan contract has an agreement on the first repayment time of the mortgage. Unless it is agreed to deduct money in the month of lending, then the first month is generally not deducted.

Generally, there are the following repayment methods:

1, equal repayment of principal and interest: this is the most common way at present, and it is also recommended by most banks for a long time. As a repayment, he pays a fixed amount to the bank every month, but the proportion of principal in the monthly repayment increases month by month, and the proportion of interest decreases month by month. However, it also has defects. Due to the long occupation of bank funds, the total repayment interest is higher than the average capital repayment method introduced below.

2. average capital Repayment Method: The so-called average capital Repayment Method, also known as the debt service method and average capital Repayment Method. The lender will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month.

For equal principal repayment, the burden at the beginning of the month is heavier than the equal principal and interest. Especially when the total loan amount is relatively large, the difference may reach 1000 yuan. But with the passage of time, the repayment burden is gradually reduced. This method is very suitable for people with high income at present, but it is predicted that their income will decrease in the future. In fact, many people over middle age, after a period of efforts, have a certain economic foundation. Considering that your income may decrease with retirement and other factors, you can choose this way to repay.

3. One-time repayment of principal and interest: previously, the bank stipulated that if the loan term is within one year (including one year), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid off together with the principal. However, with the change of repayment method, the maximum period of one year is expected to be extended to five years. This method is strictly approved by banks and is generally only open to small short-term loans.

This repayment method is simple to operate, but it is suitable for a narrow group of people. It must be noted that this method is easy to make the lender lack the external force of repayment, resulting in credit damage. This kind of loan, the lender had better have good self-arrangement ability.

4. Equal increase and equal decrease: There is no essential difference between these two repayment methods, which is another variant of equal principal and interest repayment method. It subdivides the repayment period, and in each subdivision unit, the repayment method is equivalent to the equal principal and interest. The difference is that the repayment amount of each time division unit may be increased or decreased equally.

Why is there no automatic deduction on the mortgage repayment date?

The possible reasons are as follows:

Although it is the repayment date, it is not the specific time for repayment deduction. For example, the specific date of deduction is 20th of each month 17 o'clock, and the time for you to check the bank account balance is 20th, but before 17 o'clock.

There is something wrong with the banking system, and the deduction is delayed.

You can consult the customer service of the bank or the loan officer who gave you a loan at that time to avoid deducting money on time. If the bank doesn't know, it may affect your credit history.

Introduction to mortgage:

Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the application for mortgage loan to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter.

After passing the examination, the bank promises to issue loans to the buyers, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers. The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract.

20165438+the latest survey data of 2003124 October shows that according to the sample data of 10,1-132

Why not deduct the mortgage for the first time?

There is no deduction in the first month of mortgage loan because the system will not initiate deduction in the month of loan lending, and the first time the system initiates deduction is the second month of the month of loan lending. When automatic deduction is made in the next month, in addition to the repayment amount in the first month, the interest generated in the lending month will be deducted, so that the amount of the first deduction will be higher than the repayment plan in the first month.

In addition, the loan contract has an agreement on the first repayment time of the mortgage. Unless it is agreed to deduct money in the month of lending, then the first month is generally not deducted.

Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization 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 sales unit within the time limit stipulated in the contract.

1. The borrower shall fill in the Application Form for Housing Mortgage and submit the following supporting materials to the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6. The loan applicant repays the loan on a monthly basis.

Why is there no deduction on the mortgage deduction day?

1. It is possible that the balance in the bank card is insufficient, and enough funds can be paid in the future, and the bank will deduct the money successfully.

It is also possible that there is something wrong with the banking system. For example, some banks upgrade every month, or fail. At this time, there is no way to deduct money according to the correct process. After the upgrade is successful, don't worry, the bank will continue to deduct money.

3. There is another reason. It is also possible that there is something wrong with this bank card. For example, if the account is frozen, it will lead to the inability to deduct money on time. Later, you need to re-bind a bank account to deduct the fee successfully.

Personal housing loan refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. Personal housing loan business is one of the main asset businesses of commercial banks. Refers to the loan issued by a commercial bank to a borrower for the first time to purchase a house (that is, a house sold to an individual after development and construction by a real estate developer or other qualified development subject).

Personal housing loans mainly have the following three loan forms:

(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.

(2) 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, personal housing secured loans.

(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

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.