Generally, the deduction is completed before 24 o'clock on the repayment date, and there will be some differences among banks. It is recommended to repay the loan one or two days in advance. The deduction date of China Bank's housing loan is usually after midnight 10, and it is automatically deducted by the brain. The automatic deduction method for personal loans is twice a day. The system will automatically deduct the loan account once before opening the account on the morning of the repayment date, and deduct the loan account for the second time after the end of business on the same day, and return the loan account arrears according to the principle of "deducting as much as possible" (in case of Saturday, Sunday and legal holidays, the deduction will be the same and will not be postponed). If the agreed repayment date is 3 1, etc. Other special months without this date will be deducted on the last day of the month. Overdue customer loans do not affect the automatic deduction method of the system, which is still twice a day. When the customer is overdue, the system will execute the deduction mode. If the customer fails to repay, the system will automatically deduct the customer account every day.

2. When is the mortgage deduction usually?

If you apply for mortgage in China Merchants Bank, please deposit the money into your account at noon 12 at the latest. If the deduction on the same day is unsuccessful, you need to make an emergency repayment on the same day before 24 o'clock that night after the deposit, which can be done through mobile banking, online banking and 95555 automatic voice operation.

3. When is the mortgage deduction usually?

For the personal housing loan handled by China Merchants Bank, China Merchants Bank will initiate two batch deductions on the day of loan deduction (weekends and holidays will not be affected), and the specific time of deduction to your account cannot be determined. It is recommended that you deposit enough money into the debit card current account at the latest before noon on the day of deduction 12, so as not to affect the deduction (note: it is impossible to apply for extending the deduction time).

4. When is the mortgage usually deducted?

Mortgage deduction is usually from 0: 00 am to 6: 00 am. Some banks will deduct money around the evening of 19, which may be from 5 pm to 9 pm, and there may be delays in special circumstances. After binding the bank card and signing an automatic debit agreement with the bank, the bank system will automatically debit the card for repayment on the repayment date. After the bank approves the application for housing loan, it will send a short message to the lender, telling when and how much it will repay each month, or it will call the lender. It will be returned according to the above time in the future. If the repayment is delayed, the credit record will be overdue once and there will be liquidated damages. If the loan is due on holidays, it will not be postponed, and the customer can go through the repayment procedures when it is due or repay it a few days in advance. Therefore, in order to facilitate repayment, customers should be careful not to set the maturity date on holidays when borrowing money. You need to open a bank card of this bank. Tell the bank card account number when applying for a loan, and the bank will bind it into a repayment account. The bank will automatically deduct money from the account every month. Make sure there is enough money in the bank card to deduct money. 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. The repayment date of individual housing loan is agreed by the borrower and the loan bank through the loan contract (also known as "agreed repayment date"), and there are usually two ways: the day of arrival and the unified day. According to the household date, the starting date of each loan term is generally the corresponding date of each month as the agreed repayment date. If there is no corresponding date in the current month, the last day of the current month is the agreed repayment date. Customers can also choose a fixed date every month as the agreed repayment date. The repayment date agreed by different customers is different by setting the date by households.