Can the bank card for mortgage repayment be replaced by the other spouse's?
If the mortgage is jointly applied by the husband and wife, the bank card that repays the mortgage can be exchanged for the other party's card. After all, the other party is also from co-borrower, so customers only need to bring their ID cards and cards to the bank.
Moreover, if the mortgage is only an individual application, the bank card that repays the mortgage cannot be replaced by the spouse's card, and only the bank card under the individual's name can be bound for repayment.
We also need to pay attention to the fact that the new card must be owned by the mortgage handling bank, and cannot be bound to other banks' cards to repay the mortgage.
What if the bank card for mortgage repayment is lost?
After the bank card for mortgage repayment is lost, it can be handled according to different situations:
1. Online banking, mobile banking, etc. It has been opened. If no other identity information is lost with the bank card, you can repay the mortgage directly through mobile banking, and you don't need to report the loss and reissue the bank card.
2. If online banking and mobile banking are not opened, remember the card number, and no other identity information is lost together. You can repay the mortgage through the bank's card-free storage or transfer.
3. There is no mobile banking online banking. If you don't remember the card number, you need to go to the bank counter to report the loss and reissue it. If you want to reissue the original card number, you need to make an appointment at least one week in advance. If the original card number does not need to be reissued, the lender needs to go to the lending bank outlet to change the bank card. When changing the mortgage card, you need to bring the lender's ID card, new card, original loan contract or contract number and other materials.