A mortgage card can withdraw money. The mortgage card is also a bank card handled at the bank to repay the loan. Therefore, the mortgage card has all the functions of a savings card except the monthly payment of personal housing loans. When the mortgage card arrives at the deduction date, there is enough money in the account to repay the loan, and it can be freely used or controlled at other times. Article 36 of the Commercial Bank Law: The borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Sub-prime lenders deposit money into mortgage repayment cards. Can the main lender transfer the money?

The money in the mortgage card can be withdrawn. This bank card is only binding, and the bank will deduct money from it every month to repay the loan principal and interest of the month. In fact, it is an ordinary bank card, and all functions can be used normally. So as long as there is a balance in the card, everyone can withdraw money from it. In addition to cash withdrawal, it can also be used for credit card consumption, transfer and remittance.

However, everyone should also pay attention to the repayment date of the mortgage when withdrawing money from the bank card that repays the mortgage, so as to avoid that after withdrawing money from the card, the balance in the card is insufficient, which leads to the failure of bank deduction on the repayment date, which leads to overdue and affects personal credit. And if you are worried about forgetting the repayment date, just set a reminder.

Of course, if we can ensure that the funds in the bank card are always sufficient, or we can ensure that enough funds are deposited in the bank card before the repayment date, then everyone can withdraw money from the bank card at any time.

Can I take out the money paid back by credit card installment?

If the repayment amount of the credit card is deducted from the loan amount, you can't withdraw the money if there is no balance. If the repayment amount is greater than the loan amount, resulting in a balance, the cardholder can use the credit card to withdraw cash from the bank.

Credit card withdrawal mainly includes:

1, overdraft cash withdrawal

Overdraft cash withdrawal is a small cash loan provided by banks to cardholders to help them flexibly allocate funds when they are in urgent need. Interest is required for overdraft withdrawal, and the interest is calculated from the day of withdrawal.

2. Cash withdrawal for overpayment

Overpayment cash withdrawal refers to the overpayment by credit card customers or the funds deposited in credit card accounts, and it takes some formalities to withdraw the overpayment. This amount can increase the available credit limit of the cardholder's credit card, or be directly used for consumer repayment. If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft.

The overpaid cash withdrawal does not need to pay interest, but only needs to pay part of the handling fee, depending on the bank's regulations.

Extended data:

Take China Industrial and Commercial Bank as an example. (Other banks can consult the customer service of outlets or App online, or call the bank for consultation. )

1. Cardholders can withdraw RMB at any branch of China Industrial and Commercial Bank or self-service equipment marked with "UnionPay" with their credit cards. For large-sum withdrawals (50,000 yuan or more) at the counter, you must provide your valid identity certificate; If there is foreign currency deposit in the credit card, you need to hold the card and valid identity documents to handle it at the outlets that offer foreign currency business.

Tips:

1, I have to handle it myself, and I can't do it on my behalf;

2. Emergency replenishment of dual-currency credit cards cannot be withdrawn in China;

3. Credit card overdraft withdrawal does not enjoy interest-free repayment period, and overdraft interest is charged.

Two. Use ICBC credit card to handle cash withdrawal business at our outlets and self-service equipment. The charging standards are as follows:

Credit card withdrawal fee: RMB 1% is charged for each transaction, with the lowest 2 yuan and the highest 100 yuan; Foreign currency is charged at 2.9% of the amount (including domestic and overseas), with a minimum of HK$/MOP/Euro, and other foreign currencies are converted into foreign currencies at a minimum of US$ 3 per transaction. Domestic transactions of military official cards, platinum cards and above are free.

Three. The credit card withdrawal limit is as follows:

1. Account deposit withdrawal: there is no limit on the amount of withdrawal through domestic outlets. If the withdrawal amount is _ 65438+ 10,000 yuan, please call in advance to make an appointment; You can't withdraw foreign currency through domestic self-service equipment. You can withdraw money from RMB account at most 5 times a day, and the accumulated amount can't exceed RMB 20,000 (subject to actual operation).

2. Withdraw cash according to the quota: use RMB account of credit card to withdraw cash, and the daily accumulated amount of each card shall not exceed 654.38 yuan +00000 yuan, and the accumulated overdraft withdrawal amount shall not exceed the available withdrawal amount; Credit card foreign currency withdrawal is not allowed to overdraw; Quasi-credit card: cannot exceed the overdraft ratio.

Tips: The single withdrawal limit of ATM is 3,000 yuan, and the single withdrawal limit of deposit and withdrawal machine is 5,000 yuan. Please refer to the actual operation.