1, each bank's mortgage repayment date is different, and each lender's repayment date is determined according to the purchase date. For example, the repayment date of CCB is about 15 per month, while the repayment date of Postal Savings Bank is about 20 per month, and the repayment date of China Merchants Bank is before 15 per month, so the specific repayment date of the mortgage has to be calculated.

2. The mortgage is generally paid in the middle or the end of each month. Some banks have specified specific repayment time, while others have no specific requirements. The borrower can choose the repayment time according to his own situation.

3. The repayment time of the mortgage is clearly stipulated when signing the loan contract, because most borrowers pay their wages around 10, so generally speaking, the repayment time of the mortgage is at the end of the month.

4. General mortgage loan needs to be decided through consultation according to everyone's actual situation. There is no uniform standard for every bank, but there are generally two situations, one is repayment in the current month and the other is repayment in the next month.

Extended data:

How to repay the mortgage

1, equal repayment of principal and interest

This is the most common way at present, and it is also recommended by most banks for a long time. Matching principal and interest repayment method is to add up the total principal and interest of mortgage loans and then distribute them evenly to each month of repayment period. As a repayment, he pays a fixed amount to the bank every month, but the proportion of principal in the monthly repayment increases month by month, and the proportion of interest decreases month by month.

In this way of repayment, everyone needs to pay the same amount of money every month. Therefore, everyone's repayment operation is relatively simple, and it is convenient to arrange income and expenditure by bearing the same amount every month.

This method is more suitable for families with stable income. If you buy a house and live for yourself, you can also choose this method if the economic conditions do not allow you to invest too much in the early stage. However, it also has some defects, because the interest will not decrease with the repayment of the principal amount, and the bank funds take up a long time, and the total interest of repayment is higher than the average principal repayment method to be introduced below.

2. Repayment by average capital

The so-called average capital repayment method can also be called the repayment method with interest and principal and average capital with unequal interest. In this way, the lender will allocate the principal to each month and pay off the interest between the previous trading day and the repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month.

For equal principal repayment, the amount of money to be repaid in the first month is the most, and it will gradually decrease in the future, so the repayment pressure in the early stage of the loan is relatively high.

This method is very suitable for people with high income at present, but it is predicted that their income will decrease in the future. In fact, many people over middle age, after a period of efforts, have a certain economic foundation. Considering that their income may decrease with retirement and other factors, they can choose this way to repay their debts.

3. One-time repayment of principal and interest

Previously, the bank stipulated that if the loan term is less than one year (including one year), the principal and interest will be repaid at maturity, and the interest will be paid off with the principal. However, with the change of repayment method, one year is expected to be extended to five years. This method is strictly approved by banks and is generally only open to small short-term loans.

When will the repayment start after the loan?

For bank mortgage borrowers, repayment usually begins the next month after bank lending.

The repayment method of the loan is:

1, interest takes precedence. This method, also known as the final settlement method, means that the borrower pays off the loan principal and interest on the loan maturity date and repays the interest every month. Generally applicable to loans with a term of 1 year (inclusive).

2. Equal principal and interest repayment method. Refers to the average monthly repayment of loan principal and interest during the loan period.

3. The average capital repayment method refers to the equal repayment of the loan principal every month during the loan period, and the loan interest decreases with the principal month by month. It is characterized by regular and fixed repayment of principal and monthly payment, and the monthly loan balance is reduced.

4. Equal-ratio progressive repayment method: the borrower repays the loan with a certain proportion of progressive amount (installment amount) in each time period, in which the amount returned in each time period includes the interest and principal due in that time period, and repays it in installments according to the repayment interval, and pays off all the principal and interest before the loan deadline.

What is the service time of personal mobile banking loan repayment in China Bank?

China Bank Personal Mobile Banking Repayment Service Hours:

For loans overdue repayment and prepayment transactions through electronic channels, it is recommended that you operate between 9:00- 17:00.

The above contents are for your reference. Please refer to the actual business regulations.

When will the bank loan be repaid after it is approved?

After the bank loan is approved, it will be calculated from the approval date of the current month and repaid on the approval date of the next month. Suppose the user applied for a mortgage in the bank, and the 25th is the appropriation day. If there is no agreement in the contract, the 25th of next month will be the repayment date. Before the repayment date, banks usually send SMS reminders 7 days in advance, and some banks will send SMS reminders again 3 days before the repayment date. If the borrower can't repay the loan in time, it is suggested to negotiate with the bank to postpone the repayment seven days in advance.

Pay back the bank loan every month 13.

The bookkeeping date of CCB is 13 days per month, and the repayment date is 3 days per month, usually 3 days at the latest. however

First, credit cards generally have a grace period of at least three days after the repayment date, and repayment within the grace period is regarded as timely repayment;

1. If it is paid off in full, no cost will be incurred;

2. If the repayment amount is less than the minimum repayment amount stipulated by the bank, it will be deemed overdue, with interest of 0.05%, and the unpaid part of the minimum repayment amount will be subject to a 5% late fee;

3. If the repayment amount is greater than or equal to the minimum repayment amount and less than the full repayment amount, interest shall be paid at 0.05%;

2. Repayment beyond the grace period is deemed overdue: interest is 0.05%, and there is a late fee.

When does the repayment date of CCB mortgage start?

After the personal commercial housing loan of CCB is issued, it will send a notification message to the customer, which contains the date of the first repayment. Customers can also inquire about the basic information of CCB personal loans (such as repayment date, loan term/principal balance/details/account number, execution interest rate, repayment account number, etc.). ) Through CCB mobile banking, personal online banking and other self-service channels.

Query method: 1. Log in to the mobile banking of China Construction Bank and inquire through the "Loan-My Loan" menu. 2. Log in to CCB Personal Online Banking and inquire through the menu of "Loan Service-Other Personal Loans-My Loans".

(In case of business changes, please refer to the actual situation. )