What do loan account number and repayment account number mean? Specific points

1. Loan account number

The loan account number is a special account for loan calculation. It is an account number within the bank that is associated with your repayment card number. It can be regarded as A supplementary card dedicated to repaying loans.

The loan account number is automatically generated by the bank and can be the same. It can also be different, because housing loans are sometimes directly transferred from the bank to the selling unit, and the repayment account number is the card number you provide to the bank as the repayment account number.

2. Repayment account

The repayment account is an account specifically used to repay the loan (deposit used for repayment). If you apply for a personal housing loan from the bank, the bank will give you The account into which you transfer money, and individuals need to designate a bank card or passbook account as the account for repaying the loan on schedule in the future.

Cardholders can use the "Payment Plan" function to pre-set the payment date. Online Banking will transfer funds from the All-in-One Card to the cardholder's credit card or bank account in one time or on a monthly basis based on the cardholder's request. Repayment by credit card transfer from another person designated by the cardholder.

Extended information:

The basic bank deposit account can be used to withdraw cash. It is an account for enterprises and institutions to handle daily transfer settlement and cash collection and payment. Cash withdrawals such as wages and bonuses from enterprises and institutions can only be processed through this account. Enterprises and institutions can only choose one bank to open a basic deposit account.

Deposit accounts cannot withdraw cash, which refers to a settlement account opened by a depositor at a bank other than the bank where the basic account was opened for borrowing or other settlement needs. Mainly used for loan transfer, loan repayment and other settlement fund collection and payment. General accounts can make cash deposits, but cannot make cash withdrawals.

Baidu Encyclopedia - Loan Account

Baidu Encyclopedia - Credit card repayment provident fund withdrawal is transferred to the loan account number. What is the loan account number? Is it the same as the card number used for repayment?

The loan account number is the account number generated by the bank when the loan is taken. It is different from the repayment card number. After the loan is paid off, the account number will be canceled. Please accept it, thank you, I hope it will be helpful to you!

1. The housing provident fund account is the individual housing provident fund number set up for the employees of the unit under the unit's housing provident fund account when the unit registers and opens an account for provident fund payment. It is also called an individual housing provident fund account; the first issued The number displayed on the housing provident fund inquiry card is the individual housing provident fund account number; the housing provident fund inquiry card will not be reissued in the future.

2. The housing provident fund joint card account number is a bank card number and can only be queried at the affiliated bank branch. The housing provident fund joint card is a valid certificate for housing provident fund payment jointly issued by the housing provident fund management center and the bank to employees who pay housing provident fund.

It is a co-branded card that integrates employee housing provident fund account enquiries, withdrawals, loan repayments, personal savings, settlement, consumption and other functions. For example: China Construction Bank Housing Provident Fund Dragon Card; ICBC Housing Provident Fund Peony Card.

Extended information:

Processing of release procedures after the loan is repaid:

1. The applicant holds the ID card and the "Early Repayment" issued by the Provident Fund Center Notice" go to the trustee bank to repay the loan.

2. The applicant, with his or her ID card and bank settlement receipt, should go to window No. 45 of the East Provident Fund Center on the third floor of Citizen's Home to issue a "Provide Fund Loan Statement" on the Wednesday following the repayment date.

3. The applicant brings the ID card and the Provident Fund Loan Statement to the Archives Room 9001 of the West Provident Fund Center on the 9th floor of the Citizen's Home to collect the "Real Estate Registration Certificate" and other materials.

4. The applicant brings his ID card and "Real Estate Registration Certificate" with the trustee bank to the Mortgage Section of the Real Estate Registration Center on the first floor of Citizen's Home on the agreed date, handles the house release procedures, and receives the "Commercial House Sales Contract" 》 and other materials.

Kaifeng Housing Provident Fund Management Center - Loan Business Manual

Baidu Encyclopedia - Provident Fund Loan

Baidu Encyclopedia - Bank Card Account Number and Repayment for Provident Fund Co-branded Card Loan Do the bank card account numbers for the payment need to be consistent?

The content is as follows.

It is inconsistent. The loan account number is equivalent to the bank's, so you have to repay the bank money to this card every month. The repayment account number is an account specifically used to repay the bank money. Generally, there is no Those who put money will only put money in it when the loan is repaid.

The bank card number is what you usually use. Even if you have hundreds of millions in it, it is still yours. Just put the monthly mortgage money into the repayment account.

Your loan account records your loan and repayment records. The bank card you use for repayment is your personal fund account. After the bank debits the funds, the funds are transferred for easy management. Are the account number used when applying for a bank loan and the card number used for loan repayment (mortgage) the same?

They are different.

Take China Construction Bank as an example:

The reason why the account number that received the personal loan text message reminder sent by 95533 is not the debit account:

Those who took loans from China Construction Bank The customer received a loan reminder text message sent by 95533. The last four digits of the account number prompted in the text message are the last four digits of the 26-digit account number in the loan contract of the China Construction Bank loan customer. They are not the repayment and deduction account number of the China Construction Bank loan customer. Please make sure to repay the loan. There is sufficient debit amount in the payment account.

Extended information

Methods to repay CCB loans:

The repayment methods provided by CCB for ordinary personal loan customers are mainly divided into entrusted deductions and active repayments. Two types.

In the entrusted deduction method, the borrower entrusts the lending bank to directly deduct the repayment from the CCB savings account opened by the borrower; in the active repayment method, the borrower directly uses our bank's counter, online banking, and mobile banking. (Repayment of provident fund loans is not supported for the time being) and other channels for repayment.

Personal quick loan customers can actively repay through mobile banking, online banking or loan handling banks, or deposit funds into quick loan related accounts before the loan maturity date, and the system will automatically deduct the funds on the repayment date. payment.

Construction Bank’s personal customer homepage—accounts that received personal loan SMS reminders sent by 95533

Construction Bank’s personal customer homepage—how to return CCB loans