On the day before the repayment date, it is necessary to ensure that there is enough deposit in the debit card account so that the bank can automatically deduct money from the bank account on the repayment date. The bank will make batch deductions twice a day, once in the morning and once in the evening, very early in the morning, and sometimes at one or two in the morning. If the first deduction is unsuccessful, the bank will send a text message to remind you. You'd better not wait until the same day to transfer money, it's easy to forget.

1. Two repayment dates

At present, many people borrow money to buy a house. The loan forms include pure provident fund loans, pure bank commercial loans, provident fund loans and bank portfolio loans. If it is a pure provident fund loan or a pure commercial loan, there is only one repayment date every month. If it is a portfolio loan, there are two repayment dates every month.

2. Fault-tolerant service

What happens if you occasionally forget to deposit money in the bank card on the repayment date of the mortgage, resulting in the overdue mortgage 1~2 days? I believe many people have encountered such a situation, especially in the case of portfolio loans. It is more likely to forget two repayment dates every month.

First of all, we should know that most banks will have "time tolerance" service, giving customers a grace period of 1~3 days. If the customer fails to repay 1~3 days, it will be regarded as timely repayment. If you find that your mortgage is a day or two late, you should immediately put the money into your bank card and contact the bank for deduction.

However, some banks have no "time-tolerant" service, and even if they are one day late, they will be regarded as overdue. For example, ICBC has never had a time limit. As long as the second deduction on the same day is unsuccessful, it will be overdue. Therefore, everyone should know in advance whether the bank that pays back the money has time tolerance regulations.

3. Overdue repayment

Due to overdue, it is necessary not only to make up the arrears, but also to impose penalty interest according to the amount of arrears and the number of overdue days. The interest rate of default interest is generally 50% higher than the original loan interest rate. In addition, there will be overdue records in the personal credit report of the central bank, which will make your personal credit report untrustworthy.

If it is only overdue once, the number of overdue days is not much, and the central bank has an overdue credit record, which will not have a great impact on individuals. However, if it is overdue for many times or more days, the credit record will be poor, which will have various effects on our lives, and it will be difficult to obtain loans from banks or other financial institutions in the future.

If the mortgage is overdue for 90 days, the bank will think that the customer has lost the ability to repay or defaulted on the loan maliciously, then the customer will be sued by the bank, the property will be frozen and auctioned, and the customer will become a deadbeat.