In short, it is once in the morning and once in the evening. Generally, the second deduction time starts from 18 to 19. Therefore, customers are advised to deposit their money into the repayment bank card before this (preferably before the repayment date), so as not to miss the system deduction time and lead to repayment failure.
Usually, customers should pay more attention to the movement of funds in the card, and make up the money as soon as they find that the balance in the card is insufficient; And pay more attention to the status of the card. If the card is different, you need to contact the bank as soon as possible to avoid affecting the system deduction on the repayment date. It is best to bind a card with a stable income every month as a repayment bank card, such as a salary card. Whether the insufficient balance of mortgage deduction will affect credit information mainly depends on whether repayment is made before the second deduction period. If the first mortgage fails, there will be a second deduction time, usually within 3 days after the first deduction fails. As long as the balance is made up before the second deduction to ensure the success of the second deduction, personal credit information will not be affected. If you are really worried about the impact on personal credit information, you can contact the bank staff to explain the reasons for the failure of the first deduction and remedy it in time.
3. Matters needing attention in mortgage repayment
1. If the repayment period is over half, the borrower does not need to rush to repay in advance, because the principal accounts for a large proportion of the current monthly repayment amount, and if the repayment is made in advance at this time, the interest cannot be saved.
2. If the borrower's mortgage interest rate is lower than that of deposit interest rate, there is no need to rush to repay in advance, and you can deposit your money in the bank to get more income.
3. If the borrower has a good investment project and the investment return rate is higher than the loan interest rate, there is no need to repay the loan in advance.