To query the repayment date of mortgage, there are mainly the following methods:

1. Online banking/mobile banking:

After the bank applies for a mortgage, it will be recorded. So you can log in to online banking or mobile banking directly and check your loan in your personal account, so that you can know the repayment date of applying for a mortgage through the repayment record.

2. Bank phone number:

Call the customer service hotline of the loan bank directly and ask the customer service staff. The customer service staff will inform them after verifying their identity.

3. Loan contract:

Generally, when the borrower applies for a mortgage, the repayment date of the mortgage is negotiated with the bank, so when the borrower signs a loan contract with the bank, the repayment date is usually indicated in the contract. So if you want to know the repayment date of the mortgage, you can directly look at the loan contract.

4. Bank flow:

Mortgage repayment is generally bound to a bank card and automatically deducted from the bank. Therefore, you can also know when the repayment date of the mortgage is by querying the monthly bank flow of the bank card used to repay the mortgage.

Is it better to repay the mortgage with equal principal and interest or average capital?

Choosing average capital as collateral is relatively more worthy of preferential treatment. Without paying too much interest, the average capital will pay more principal at the beginning, so the total amount of remaining principal owed to the bank will be less. When the borrower goes through the loan formalities at the bank, he can choose which way to repay the loan.

Matching principal and interest refers to a repayment method of housing loan, that is, the same amount of loan, including principal and interest, is repaid every month during the repayment period, which is different from the average principal.

The repayment formula of equal principal and interest is (loan principal × monthly interest rate ×( 1+ monthly interest rate )× repayment months) ÷(( 1+ monthly interest rate )× repayment months).

Average capital refers to a repayment method of loans. During the repayment period, the total amount of loans is divided into equal parts, and the same amount of principal and interest generated by the remaining loans of the month are repaid every month. In this way, because the monthly repayment amount is fixed and the interest is less and less, the borrower is under great pressure to repay at first, but as time goes on, the monthly repayment amount is less and less.

Calculation formula of average capital loan: the monthly repayment amount is equal to (loan principal/repayment months+(principal-accumulated amount of repaid principal) multiplied by the monthly interest rate 3, and the monthly repayment amount depends on the current loan interest rate, loan amount and loan life. There is a quick mortgage table to calculate.