How to change the bank card for mortgage repayment

The method is as follows:

1. First, go to the bank where the original loan was taken to apply for a change of bank card and fill out the application form.

2. Reissue the income certificate and prepare the income certificate of the new repayer.

3. Apply to the lending bank to change the loan repayment method, prepare the original "Personal House Purchase Mortgage Loan Contract", and after passing the review, sign the "Change Agreement", and then you can successfully change the bank card.

Can I change my bank card for loan repayment?

Is it possible to change my bank card for loan repayment?

① You need to explain the situation to the lending bank and agree. Afterwards, replace the card with a new one and inform the bank;

② If the original card is lost, the lending bank must be informed as soon as possible;

③ After the replacement is issued, the lending bank should be informed of the new card in a timely manner;

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④ If there is a repayment period during the loss reporting period, contact the lending bank to ensure that the loan is repaid normally or to allow a few days of grace.

Credit card repayment

Credit card repayment refers to when the cardholder’s credit card consumption reaches the final repayment date, in order to ensure the cardholder’s good credit record, the bill consumption Funds are returned to the bank.

Repayment process

Repayment from the card issuing bank

1. Log in to the ATM repayment homepage of the account opening bank and click on credit card repayment;

2 . Fill in the credit card repayment information: follow the prompts, select the credit card issuing bank, enter credit, cardholder name, monthly repayment date, repayment amount and contact information and confirm;

4. Transfer out Complete the payment through debit card online banking: follow the prompts and use other bank's debit card to complete the payment through online banking;

5. The repayment is completed, the transaction is inquired, and the receipt is printed.

Online repayment

Credit card online repayment is one of the main repayment methods for credit card repayments of the bank where the account is opened. Online repayment has become a common repayment for the majority of credit card users. means.

1. Payee account name: fill in the name of the credit card holder.

2. The payee’s account opening bank: fill in the “Account Opening Bank Credit Card Center”.

3. Transfer to the payee’s account number: fill in the 16-digit credit card number.

4. Remarks: Fill in "Credit Card Repayment".

5. Withdrawal password: fill in the all-in-one card withdrawal password

6. After confirmation, the system will prompt whether the transfer is successful and the amount of the transfer.

7. Currencies accepted for repayment by the "Payment Plan" function: RMB

8. Cardholders can use the "Payment Plan" function to pre-set the payment date, and online banking will At the cardholder's request, a one-time or monthly transfer from the All-in-One Card to the cardholder's credit card or the credit card of another person designated by the cardholder for repayment.

9. Currencies accepted for repayment of the "Credit Card Payment" function: US dollars, RMB

10. If the cardholder has opened the online "Personal Banking Professional Edition" 4.5 or above of the all-in-one card version, and handle the self-service transfer business between All-in-One Card and credit card, you can use the "Credit Card Payment" function to transfer repayment from the cardholder's All-in-One Card account to the cardholder's own credit card.

Can the mortgage bank card be changed?

After applying for a mortgage, the borrower can change the loan repayment bank card. The procedures for changing the repayment bank card are as follows:

(1) When applying to change the repayment bank card, the borrower must first prepare the required documents. These documents include the old and new bank cards to be replaced, the borrower's ID card, the original copy of the "House Purchase Mortgage Loan Contract" and the original copy of the "Real Estate Rights Certificate" for purchasing the property (provide it if you have it, if not, you don't need to provide it).

(2) Go to the bank where you applied for a home purchase loan to go through the change procedures. After the replacement is completed, the borrower can use the new bank card immediately. Moreover, the money in the old bank card will also be transferred to the new bank card. However, the online banking of bank cards will not automatically change when the bank card is changed, and the borrower needs to perform online banking operations by himself.

However, banks have requirements for repayment bank cards, and not every bank card can be changed to a new repayment bank card. Only the account of the borrower or the same borrower can be used as a loan repayment account. Therefore, when changing the bank card for home purchase loan repayment, the new bank card must belong to the person who is related to the repayment of the home purchase loan.

After successfully changing the repayment bank card, the borrower must remember to repay the loan on time to avoid overdue records and affect his or her personal credit report.

Can the mortgage card be replaced?

The mortgage card can be replaced by going to the lending bank to change the repayment account. To go to the bank to change the repayment account, you need to bring your personal ID card, loan contract, new card, old card, mortgage purchase contract, and real estate certificate to the bank's counter.

If you lose your original mortgage card, you should tell the lending bank as soon as possible and bring your ID card to the bank to report the loss and get a replacement.

Extended information

The process for changing the bank card of the mortgage repayer:

1. I have my ID card, the changed bank card, and the mortgage contract ready.

2. I bring the information to the personal loan center of the mortgage bank.

3. Fill out the form and schedule an appointment.

4. Call the number at the window and go through the procedures.

What documents are needed to change the bank card for mortgage repayment?

The procedures required to change the bank card for mortgage repayment:

Go to the original loan bank to fill out the change application, and then Just re-open the income certificate and open a new repayer.

1. The borrower's lending bank applies for changing the loan repayment method and provides the original "Personal House Purchase Mortgage Loan Contract".

2. After review and approval, the relevant parties sign the "Change Agreement".

3. After the borrower repays the last installment of the year and does not default on the loan repayment, the new loan repayment method will take effect from the first installment of the following year.

Home loan, also known as home mortgage loan. A home loan is when a home buyer fills out an application for a home mortgage loan to the bank and provides legal documents such as ID card, income certificate, house sales contract, letter of guarantee, etc. that must be submitted. The bank will make a commitment to the home buyer after passing the review. Grant loans, and handle real estate mortgage registration and notarization based on the house sales contract provided by the home buyer and the mortgage loan contract signed between the bank and the home buyer. The bank will directly transfer the loaned funds to the house selling unit within the period specified in the contract. on the bank's account.

The participants in the housing loan, including the commercial banks that provide credit funds, the buyers who ultimately purchase the property, and the owners of the property (including developers/owners of second-hand houses), also need to have something when applying for a loan. Participation of appraisal companies and home mortgage guarantee companies.

According to statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, at the end of 2010, in major first-tier cities in China, the utilization rate of housing loans has reached a high level. In terms of home purchase mortgage loans, the proportion of loans It has reached more than 70%, and in recent years, an increasing number of residents have applied for real estate mortgage consumer loans to revitalize their real estate by using their own names or the properties of their relatives. "Mortgage" has become a way of life closely related to residents' lives.

Baidu Encyclopedia - Mortgage

Can the repayment bank card of a Bank of China borrower be changed?

If it is a personal commercial loan from Bank of China, you can log in to personal online banking or mobile banking to change the repayment account.

1. Personal online banking: On the "Loan Management-Loan Repayment-Change Repayment Account" page, select the "Change Repayment Account" operation corresponding to the corresponding loan account.

2. Mobile Banking: Go to Loan - My Loan - select the loan that needs to be changed, enter the loan details page, after repaying the account, the 'Change' button will be displayed, click to change the repayment account.

Changing the repayment account will take effect on the next day. If the account is changed on the repayment date, the repayment account before the change will still be used for repayment on that day. To ensure successful repayment, please do not make any changes to your repayment account on the repayment date.

The above content is for your reference, please refer to actual business regulations.