Will not affect the family. If the credit card is not returned, first of all, the personal credit report will have overdue records, which will cause credit stains to individuals. Secondly, if you don't repay the loan, there will be five ten thousandths of interest every day, and there will be a late fee every month. As a result, the cost of repayment will be higher and higher. The bank has the right to sue you if the credit card is overdue and fails to repay within two months after three reminders, and the amount exceeds 5000. The bank will ask you for money, not your family.

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1. Bank repayment method is as follows:

1. Equal principal and interest repayment method: add the interest generated by the borrower during the loan period to the total loan principal, then distribute it evenly every month, and repay the equal amount of funds every month.

2. average capital repayment method: the borrower repays the principal in equal amount every month, and the loan interest is calculated according to the remaining principal, and the interest is reduced by stages.

3. One-time repayment: within the stipulated repayment time, the principal and interest of the loan shall be paid off in one lump sum.

4. prepayment: apply for repayment of the remaining debts or all debts before the expiration of the loan period.

Second, pay attention to mortgage repayment:

1. Pay attention to the change of monthly payment: friends who borrow money to buy a house should not think about depositing a fixed repayment amount on time every month. This idea is incorrect, because we should pay attention to whether the benchmark interest rate of banks has changed. Once the benchmark interest rate of the bank changes, the monthly supply will also change. So sometimes the monthly supply may increase. If you don't pay in advance, it will be judged as overdue, which will have a great impact on your credit.

2. Pay attention to bank card transfer: At present, there are new regulations and changes in this way of bank card transfer, so it is necessary to pay attention to this way of repayment. Some friends will deposit the house payment into the repayment account by bank transfer before the transfer date, but buyers should pay attention. If the quantity is too large, it will not arrive in real time. Therefore, when you transfer money to the mortgage bank card, if the amount is too large, you'd better transfer it several times to ensure that it can arrive in real time and avoid overdue repayment.

3. Be careful to cut off the mortgage: It is very important for buyers to repay the loan on time after completing the mortgage. Now it takes a long time to repay the loan, ranging from 20 to 30 years. Many people may have some economic problems during this period. But no matter what problems you have, you can't choose to have no money to cut off the mortgage, because the bank will have very serious punishment regulations.