; ? When applying for a mortgage, you will be asked to provide a repayment card, and the bank will deduct money from the card every month to repay the loan. In order for the bank to deduct money successfully, the lender must ensure that the mortgage card is in normal condition. Others have their mortgage cards frozen. How can I repay this situation? Let's have a look.

Can I repay my mortgage card if it is frozen?

Mortgage card is generally a kind of bank card. After being frozen, the revenue function is not closed, and funds can be transferred in, such as accepting remittance and transferring money. However, after being frozen, the expenditure function is locked and the funds in the card cannot be transferred out.

Simply put, the lender can deposit money into the mortgage card by transfer, but because the mortgage card is frozen, the bank cannot deduct money from the mortgage card. Therefore, even if there is enough balance in the mortgage card, the mortgage may be overdue because the bank cannot deduct the money.

How to repay the mortgage card if it is frozen?

This depends on whether the mortgage card can be thawed. If it is temporarily frozen, you can ask the bank how to unfreeze it, and then you can deduct the money normally. To freeze permanently, there is no possibility of thawing, and there are only other ways to repay the mortgage.

For example, if * * * has the same loan, and the latter has the same borrower, the mortgage card of the main lender is frozen, and the bank fails to deduct money, it will deduct money from the repayment card provided by the sub-lender or the same borrower, and the successful deduction will not be overdue. If not, you can only go to the loan card bank to replace the mortgage card used to repay the loan.

After the change of the mortgage card is successful, the bank will deduct money from the new mortgage card account from the next deduction date after the change formalities are completed to recover the loan.