Mortgage deduction is usually from 0: 00 to 23: 59 on the same day, and the deduction time of different banks is different. For example, ICBC's mortgage payment starts at 0: 00, CCB starts at 8-9: 00 in the morning, and BOC's mortgage payment time is between 00:00-2 1:00. Even if the first deduction fails, the bank will make the second and third deductions on the repayment date to prevent users from overdue repayment.

The deduction time of each bank is different, which can be roughly divided into two situations:

1. Deduct the money on the loan date every month. For example, September 1 deduction, 10/0 deduction, and so on.

2. Whenever the loan is released, it will be deducted on the 20th of each month. For example, September 1 lending, then September 20 deduction, and so on. When to deduct money is related to the system of each bank.

Regarding the deduction time of mortgage, everyone may be different. The bank did not uniformly stipulate that the mortgage needs to be repaid before the date of each month. After all, everyone applies for a mortgage at a different time. The bank will inform the borrower when to repay after approval, so the borrower only needs to repay on time according to the repayment time stipulated by the bank.

Because when you apply for a mortgage, you usually sign a withholding agreement with the bank, so on the repayment date of each month, the bank system will automatically deduct the corresponding amount from the repayment account bound by the borrower for repayment. Therefore, the borrower only needs to ensure that the funds in his repayment account are sufficient, and does not need to take the initiative to repay every month.

Everyone should pay attention to the good habit of paying back on time, and pay more attention to whether the money in the repayment account is enough. In order to avoid the failure of repayment due to insufficient balance of repayment account, resulting in overdue and affecting personal credit. Of course, if it is not paid for the time being, you should contact the bank as soon as possible to discuss whether the time limit can be extended (some banks have a grace period, and they can't pay it back before the due repayment date, so try to pay it back within the grace period).

When is the repayment date of the mortgage?

The repayment date of each bank mortgage is different, and the repayment date of each owner is closely linked according to their purchase date. For example, the repayment date of CCB is around 15, the postal savings bank is around 20, and China Merchants Bank is before 15.

Extended data:

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Mortgage, also called personal housing loan. Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing. Personal housing portfolio loan refers to a 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.

The borrower shall provide the lender with the following information: identity documents; Proof of stable income of the borrower's family; Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements; List of collateral or pledge, proof of ownership and proof that the person with the right to dispose of it agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate; To apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department; Other documents or materials required by the lender.

What date is the mortgage usually paid back every month? Come in and have a look.

Mortgage may be familiar to many people. Many people who need to buy a house but don't have enough funds often choose a mortgage to repay on schedule, but some friends who have a mortgage are puzzled, that is, what date is the mortgage usually repaid every month? Today we will answer this question!

What date is the mortgage usually paid back every month?

The repayment time of mortgage is not fixed and needs to be determined according to the policies of different banks. Some banks have specified the specific repayment time, while others are determined according to the borrower's mortgage time. Details are as follows:

1. The mortgage is generally repaid in the middle or the end of each month. Some banks have specified specific repayment time, while others have no specific requirements. The borrower can choose the repayment time according to his own situation.

2. The repayment time of the mortgage is clearly stipulated when signing the loan contract, because most borrowers pay their wages around 10, so generally speaking, the repayment time of the mortgage is at the end of the month.

3. The repayment date of each bank mortgage is different, and the repayment date of each lender is determined according to the purchase date. For example, the repayment date of CCB is about 15 per month, while that of Postal Savings Bank is about the 20th of each month, and that of China Merchants Bank is before 15 per month, so the specific repayment date of the mortgage has to be calculated.

4. General mortgage loan needs to be decided through consultation according to everyone's actual situation. There is no uniform standard for every bank, but there are generally two situations, one is repayment in the current month and the other is repayment in the next month.

Well, the above is the specific answer to the general repayment date of mortgage every month. I believe everyone has their own judgment and understanding after reading it. I hope this answer can help everyone.