1, the mortgage repayment is based on the borrower's loan term, as long as the loan is made, the loan will be repaid in the current month. When the mortgage is approved depends on whether the repayment has been made. If the loan is approved, we still need to wait for the quota to be released. If it is released on the 6th of this month, it will usually be deducted for the first time on the 6th of next month. Of course, it depends on the loan contract, and some banks will deduct it on the 20th.
2. Ask the bank for a mortgage contract. Generally, the bank clerk will put the contract in the sales office and inform you to get it. Generally, it will not be mailed. Unless required, please contact the bank yourself.
After the bank loan is issued, your house payment has been paid in full. Just ask the developer for an invoice. Banks will give you loan contracts and loan certificates, and some banks will also give repayment plans.
Extended data:
I. Repayment method of house purchase loan:
There are two repayment methods for housing loans with a loan term of more than one year: average capital repayment method and matching principal and interest repayment method.
1, average capital
It is to divide the total loan into equal parts during the repayment period, and repay the equal principal and interest generated by the remaining loans in the current month every month.
Monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.
Features:
Because the monthly repayment amount is fixed and the interest is getting less and less, the lender is under great pressure to repay at first, but as time goes on, the monthly repayment amount is getting less and less.
2. Equal principal and interest
During the repayment period, the same amount of loans (including principal and interest) will be repaid every month.
Monthly repayment amount = [loan principal × monthly interest rate ×( 1+ monthly interest rate )× repayment months ]≤[( 1+ monthly interest rate )× repayment months]
Features: Compared with the repayment method in average capital, the disadvantage is that there are more interests. The interest in the initial repayment period accounts for most of the monthly contributions. With the gradual return of the principal, the proportion of the principal in the contributions increases. However, the monthly repayment amount of this method is fixed, which can control the expenditure of family income in a planned way and facilitate each family to determine the repayment ability according to their own income.
Second, choose the repayment method carefully.
When signing a loan contract, you can choose the repayment method according to your actual situation to avoid default.
When is the mortgage usually deducted?
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When is the mortgage usually deducted?
When the mortgage is deducted depends on the processing time of the bank, and the deduction time of each bank is different. Therefore, when repaying the loan, the lender should repay the loan according to the time stipulated by the bank. As long as the money is transferred to the bank card, the system will automatically deduct the money, and the mortgage must not be overdue, otherwise it will affect the credit problem of the lender. Moreover, the deduction is usually 8- 12 in the morning, and the loan should be deposited into the account in advance.
What should I pay attention to when buying a house with a bank loan?
1, the information provided to the bank should be true.
When applying for a loan from a bank, the applicant must first provide the bank with real information, such as his income certificate, personal occupation, credit record, etc. Lenders must seek truth from facts and provide true information. If found, the bank will not allow loans.
2. Apply for the loan amount according to your own ability.
When applying for housing loans, lenders should also make a correct judgment on their own economic strength and repayment ability, and at the same time, they should also look at their future income and expenditure, do what they can, and don't bring pressure to their lives.
3. Try to borrow whole numbers for loans.
Try to use whole numbers for bank loans, with tens of thousands as the unit, such as 400,000 and 500,000, otherwise it will be difficult for banks to get loans.
4. Quit as little as possible before buying a house.
If you buy a house with a loan, your job must be stable. If you change jobs frequently, the bank will doubt your integrity and it will be difficult to get a loan. If you want to buy a house quickly, don't resign at will, or you won't be able to pay your monthly payment if you are unstable.
5. Choose a good loan bank for mortgage.
At present, there are many loan banks, and the loan ratio of each bank is different. It is necessary to choose a suitable loan bank. And it's best to choose big banks. The services of big banks are very detailed and there are many concessions, so it's best to choose loans from four big banks.
Bian Xiao concluded: The content about when to deduct the mortgage is briefly introduced here, hoping to help everyone! The time of mortgage deduction depends on the banking system, which will automatically deduct the loan, so what the lender has to do is to repay the loan in advance.
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When will China Bank's housing loan be deducted? Urgent!
The automatic deduction method for personal loans is twice a day. The system will automatically deduct once before the loan account business starts on the morning of the repayment date, and make the second automatic deduction after the business ends on the same day (normally, automatic deduction will be started every night 18, so it is recommended that you deposit enough funds in advance to avoid overdue), and repay the loan account arrears according to the principle of "as much as you can deduct" (in case of deduction as usual on Saturday, Sunday and legal holidays, it will not be postponed. If the agreed repayment date is 3 1, etc. Other special months without this date will be deducted on the last day of the month. Except for loans entrusted by BOC (such as housing provident fund loans entrusted by the Housing Provident Fund Management Center), the above deduction methods are applicable to all kinds of personal loans of BOC.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.
How to deduct the first month loan?
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There are two ways to buy a house, one is full payment, the other is mortgage loan, and mortgage loan is bound to face repayment problems. So how to deduct the first month mortgage? What problems should I pay attention to when repaying my mortgage? Let's take a look with Bian Xiao!
How to deduct the first month mortgage:
Generally, the mortgage will be deducted from the second month after the loan. When the loan is deducted, the money will be directly deducted from the bound bank card. There will be more deductions in the first month, because the bank will add interest when repaying. At first, the loan interest is the highest, and then it is getting less and less. If the deduction amount cannot be calculated, you can directly log in to the loan interface and repay the loan according to the above amount.
What problems should I pay attention to when repaying my mortgage?
1. Pay attention to holiday mortgage repayment.
Mortgage repayment is not divided into holidays, and people can have a holiday and rest. However, it must be remembered that the mortgage deduction time is the same as usual, and the account funds must be sufficient to avoid overdue.
2. Pay attention to non-malicious overdue repayment.
If you are busy and don't pay attention, you will forget to pay the mortgage. Don't panic when you encounter non-malicious overdue repayment. You should call the bank first and pay off your debts within the grace period of the bank, so as not to affect your credit.
3. Pay attention to prepayment of mortgage.
Friends who want to prepay depend on how the loan contract stipulates prepayment, whether their situation is suitable for prepayment, and whether prepayment can save interest.
4. Pay attention to the repayment of inter-bank mortgage.
Many friends will use inter-bank transfer for repayment, but it is best to avoid the outage period of the central bank's payment and clearing system and try to credit the repayment into the account in advance, just in case.
Summary of the article: Well, the knowledge about how to deduct the first month mortgage and what problems should be paid attention to when repaying the mortgage is introduced here. Some friends who need more information, please continue to pay attention to Qijia. We will provide you with more exciting content later.
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