It doesn't matter if the mortgage is deposited on the same day. Mortgage has a repayment date every month. As long as the lender deposits money on the same day, it doesn't matter, but don't miss the time. If you can't repay the loan temporarily, you need to communicate with the bank. You can usually return it later. If it is overdue, you should deposit the money on the card quickly before communicating with the bank.

How to calculate mortgage interest rate

The calculation of mortgage loan mainly depends on the down payment amount, repayment method, loan term and bank interest rate. The interest rate of bank mortgage is subject to the loan interest rate of the People's Bank of China.

There are two ways to calculate the mortgage interest rate.

1. Equal repayment of principal and interest: add up the principal and total interest of the mortgage loan, and then distribute it evenly to each month of the repayment period.

2. Repayment of equal principal: Divide the principal into months and pay off the interest from the previous trading day to the repayment date.

Compared with the former, the total interest to be paid for equal principal repayment is generally less, but the principal and interest to be paid in the early stage of repayment are more, and the repayment burden will be gradually reduced with the passage of time, so the equal principal repayment may be more stressful for the buyers who have just started their business.

Matching principal and interest method: calculation formula: monthly repayment amount = principal * monthly interest rate * [(1+monthly interest rate) n/[(1+monthly interest rate) n-1]; Where n represents the number of months of loan, and n represents the power of n, for example, 240 represents the power of 240 (20 years and 240 months of loan), and the monthly interest rate = annual interest rate/12; Total interest = monthly repayment amount * loan months-principal.

Average capital method: calculation formula: monthly repayment amount = principal /n+ residual principal * monthly interest rate; Total interest = principal * monthly interest rate * (loan months /2+0.5).

Loan purchase process

1. The project sales team signs a house purchase contract with the buyers and pays the required down payment according to the contract requirements.

2. Apply to the real estate trading center market for contract registration and filing within 5 days from the date of signing the commercial housing sales contract.

3. Within seven days from the date of voluntary payment, the purchaser shall provide materials that meet the requirements of the mortgage bank and directly apply to the company's cooperative bank. Specifically, it includes: house sales contract (registration), house payment receipt, ID card, marriage certificate, income certificate and other materials that the bank considers necessary.

4. The loan bank investigates and reviews all aspects and procedures of the property buyers, and goes through the preliminary procedures together with the property buyers who meet the basic conditions (including the wives of the property buyers), including loan application, joint repayment statement, commitment, conversation record, loan contract, IOUs, etc. Then the buyer opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval.

5. The application approval period is generally within 7 days. For overdue loans, the marketing department timely connects with the bank to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time.