Personal commercial loans (excluding provident fund loans) are guaranteed to be deducted if the funds are deposited into the repayment account before the close of business of Bank of China on the repayment date at the latest. Successfully deducting and repaying the amount on the repayment date will not affect your personal credit.

The automatic deduction method for personal loans is twice a day. The system will perform an automatic deduction once before the opening of business in the morning on the day when the loan account is due for repayment, and a second automatic deduction after the closing of business on the same day ( Under normal circumstances, automatic deductions will start at 18:00 every night. It is recommended that you deposit sufficient funds in advance to avoid overdue payments) and return the loan account arrears in accordance with the principle of "deduct as much as you have" (in the case of Saturdays, Sundays and statutory Payment will be deducted as usual during holidays and will not be postponed). If the agreed repayment date is the 31st, etc., in other special months without such a date, the payment will be deducted on the last day of the month.

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

If you have any questions, please feel free to consult Bank of China’s online customer service.

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