1. Counter repayment of China Construction Bank:

Borrowers can bring repayment cards, savings cards, cash and ID cards, submit a repayment application at the counter of China Construction Bank business outlets before the repayment date, and fill in the repayment application form. Then, according to the staff's tips, give the repayment card and savings card to the staff and wait for the staff to transfer money.

Repay on 2.2 days. ATM access integrated machine:

Before the repayment date of the current period, the borrower takes the repayment card and savings card to the nearby ATM machine, first takes out the cash in the savings card from the ATM machine, then inserts the repayment card, deposits the repayment amount into the repayment card and waits for the transfer.

3. Online bank repayment:

The borrower can log in to China Construction Bank official website (/home/indexv3.html), then select "Personal Online Banking Login" on the homepage, fill in the ID number and login password, click the "Login" icon below, log in to the homepage of personal online banking account, find "My Loan", find the house loan that needs repayment, click "Repay Now" below, and then pay.

Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides the documents that must be submitted according to the legal documents such as ID card, income certificate, house sales contract and guarantee.

After passing the examination, the bank promised to issue loans to property buyers.

And according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers, the real estate mortgage registration and notarization will be handled, and the bank will directly transfer the loan funds into the bank account of the selling unit within the time limit stipulated in the contract.

Basic introduction

Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners), also need to participate in the evaluation company and mortgage guarantee company when applying for loans.

Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that the mortgage utilization rate has reached a high level in major first-tier cities in China at the end of 20 10.

In terms of mortgage loans for house purchase, the loan ratio has reached more than 70%, and in recent years, more and more residents have applied for mortgage loans for real estate consumption by using their own names or relatives' real estate. "Mortgage" has become a way of life closely related to residents' lives.

Special policy

With no one in the house, the monthly payment will continue.

If the house is unoccupied, according to the Contract Law and other laws and the mortgage loan contract signed by the borrower and the loan bank, the borrower is still obliged to pay off the outstanding loan principal and interest. In other words, if the house falls down, the monthly payment of the house will continue to be paid.

Loans are the relationship between banks and borrowers, and houses are collateral and supplements. Therefore, the loss of the house cannot be used as a reason to stop the monthly payment.

If the relevant property insurance has not been purchased before, the house is damaged and no insurance has been purchased, the owner of the house can only bear the losses caused by the damage to the house. However, from the perspective of government assistance, the government usually gives certain compensation to the affected people, so that they can properly resettle and rebuild their homes.

When people leave, the house becomes an inheritance.

In this case, if a person dies and the property is still there, according to the relevant provisions of the inheritance law, the property will be incorporated into the person's estate. First, the heir will use this person's legacy to pay off this person's pre-life debts (including mortgage loans and other debts, of course).

However, the repayment of debts is limited to the actual value of the person's estate, and there is no legal basis for "father's debt to son". Of course, the law does not prohibit heirs from voluntarily repaying debts that exceed the actual value of the estate.