On the day of mortgage repayment, the bank will deduct money from the repayment card to recover the loan. If the balance of the mortgage card is insufficient, the money will be deposited in the card after the deduction fails, and the bank will deduct the money the next day. However, there is no grace period for the mortgage. Even if the deduction is successful the next day, it is overdue, and the overdue record will be reported to the credit information system to affect personal credit; There will be one day overdue penalty interest, so try to save enough money before the repayment date to avoid the failure of overdue deduction.

If there is no grace period for repayment, the repayment after 1 minute will be regarded as overdue, and the record of overdue repayment will be uploaded to the credit information system. Mortgage repayment has a grace period of 1-3 days. If the mortgage is paid one day late, it will not be used for credit investigation, so it will not affect the credit investigation.

When applying for mortgage, users can ask the loan bank whether there is a grace period for repayment. If there is no grace period, they must repay on time.

On the repayment date, the banking system will deduct the repayment of the bank card several times. If the repayment amount in the current bank card is insufficient, the system will deduct part of it first, and then the user will make up for it. The system will continue to deduct until the mortgage repayment amount is fully deducted. Since all deductions are made on the repayment date, as long as they are made up, there will be no impact on credit.

In addition, if the user deposits the repayment amount into the bank card before the repayment date, there will be no risk of overdue repayment.