Second-class accounts can handle deposits, purchase financial products such as investment and wealth management products, restrict consumption and payment, and restrict transfer to unbound accounts, but they cannot be used to repay mortgages.
Can I change my mortgage repayment card?
If the mortgage card can be changed, the borrower needs to bring the original ID card (copy 1 copy) and the original changed bank card or passbook (copy 1 copy) to the loan bank counter to apply for changing the repayment account. The bank personnel verify the validity of the card or passbook, and after verification, the borrower signs the Application for Examination and Approval of Loan Contract Change.
How to repay the mortgage card if it is frozen?
After the mortgage card is frozen, contact the loan bank in time, change a bank card to bind the deduction, or go to the bank counter to repay the mortgage. Mortgage cards are generally bank cards. After the bank card is frozen, you need to know why it is frozen, and then you can apply for thawing and return to normal.
Loss reporting, failure to change the card at maturity can be deducted normally, but it cannot be deducted if it is frozen by the competent authority, in-bank freezing, deposit/pledge freezing, entrustment freezing, old savings system judicial freezing, wrong account freezing, etc. This requires another repayment method now.
If it is temporarily frozen, you can ask the bank how to unfreeze it, and then you can deduct the money normally. If it is permanently frozen, there is generally no hope of thawing, and the mortgage can only be repaid by other means. For example, if * * * has the same loan, if the mortgage card of the main lender is frozen, the bank will deduct the money from the repayment card provided by the sub-lender or * * * and repay it with it. But there is no loan, so we have to go to the loan card bank to replace the mortgage card used to repay the loan.
It has been notified that the mortgage card has been frozen, and the cardholder needs to make a choice in time, either choosing the bank card to repay the mortgage or applying for thawing immediately, otherwise the mortgage deduction will become overdue and the problem will only become more and more serious.