1, you can bring your relevant documents to the bank that handles the loan, so that you can not only check the remaining mortgage, but also check the repayment plan at the back.

2. At present, all banks can check online, and you can log in to the online bank of the bank to check.

If you feel trouble, you can call the staff and just provide your own information to know how much the mortgage is left.

What are the precautions for repaying the mortgage?

1, remember to surrender.

After the borrower repaid all the loans in advance, the original individual housing loan contract of Jiabao was also terminated in advance. According to the relevant regulations, the borrower can bring the original insurance policy and proof of paying off the loan in advance, and return the premium paid in advance to the insurance company on a monthly basis. So don't forget to get your money back from the insurance company and the tax department after paying off all the loans in advance.

2. Remember to refund the tax

In addition, don't forget to go to the tax department for tax refund. When purchasing a commercial house, all the family members who can get tax refund should be written into the purchase contract as the property owners, and after signing the contract and paying the house price, they should apply for "deducting the personal income tax paid by the buyer" and obtain their "general tax payment book".

You can get the real estate license after paying off all the loans in advance, and you have to go to the tax department for tax refund within 6 months after completing the real estate license.

3. Don't prepay in the first year.

It should be noted that you should not prepay the loan within the first year. According to the relevant provisions of provident fund loans, the repayment amount should be in advance after 1 year repayment, and the repayment amount should exceed the repayment amount of 6 months. Another point is that the loan contract stipulates that those who repay the loan in advance shall not be overdue. If it is overdue, you should pay off the arrears first and then apply for early repayment.

4. Transmission delay

Now many people choose to bind their bank cards and remit money to them at a fixed time. Sometimes banks will have system problems or upgrades, which will delay repayment and may lead to overdue. Therefore, it is recommended to check the repayment date of each month to see if the bank automatically deducts money. If not, it should be operated manually.