yes. However, the billing date of the credit card should be before the repayment date of the mortgage as far as possible, and the available credit card amount should not be too low when the credit card repays the mortgage monthly.

after the credit card is billed, we must pay off the bill before the final repayment date of the credit card, so that it will not be overdue and will not generate any interest. From the perspective of capital utilization, the credit card billing date is before the mortgage repayment date, so as to maximize the capital utilization.

Finally, I remind you to plan the monthly repayment amount in advance in case you are under too much pressure.

Expand the information:

Matters needing attention in mortgage repayment:

1. To adjust the repayment amount, you need to contact the bank yourself.

Since it is the amount agreed between the purchaser and the bank, the monthly payment will not decrease with the central bank's interest rate cut, so it is necessary for the purchaser to negotiate with the loan bank again. Equal principal and interest of commercial loans are suitable for buyers with stable income. In most cases, mortgages will be equal principal and interest. Matching principal and interest means that the amount of money you pay back each month is fixed. Although the overall interest will increase, it is convenient for borrowers to arrange income and expenditure, and it also saves a lot of trouble.

2. Matching principal and interest payments in January may increase

Commercial loans are different because of loan banks and repayment methods. Under the repayment method of equal principal and interest, the monthly payment of most banks will increase slightly. Specifically, although the interest is decreasing, the adjusted principal has increased. Average capital is suitable for property buyers with relatively abundant funds on hand. Because the principal of the mortgage in average capital is the same from beginning to end, but the interest is changeable and less, the monthly repayment amount will decrease month by month with the passage of time.

3. average capital does not recommend prepayment

Under the repayment method in average capital, the borrower's interest this month decreased slightly, and the overall monthly payment was lower than last year. Specific to different banks, there will also be differences in reduction and increase. Due to the repayment in average capital way, the first thing that the purchaser returns is mainly interest.