The bank reserves the right of final interpretation.

However, it is understood that many citizens repay on the repayment date, and some banks regard this as overdue, which is unacceptable. The bank explained that the computer automatically deducted the payment at 0 a.m. on the repayment day, so the payment during the day was considered overdue. There are two reasons that are difficult to accept: first, China Construction Bank did not inform us in writing or orally of this early morning deduction method when signing the loan contract; second, the deduction time of other banks, including the deduction time of some credit cards, is not set at the time of repayment. It’s early morning on the day of payment. Who would go to make a deposit in the middle of the night?

Such an inhumane provision, even if the bank does not intend to modify it, should be clearly stated in the loan contract. Here is a special reminder to the vast number of housing slaves who are burdened with mortgage loans. Otherwise, if you are not careful, you will be listed as a user with a bad credit record