Recently, China has also introduced a new mortgage repayment policy. The original mortgage interest rate policy can be implemented without change. The repayment amount cannot be greater than the repayment amount, which means that the user only needs to repay according to the repayment amount. If you are prompted that the repayment amount cannot be greater than the repayment amount. This is your operational error. You just set the repayment amount as the repayment amount. For the monthly mortgage payment, it is only necessary to ensure that the balance of the deduction account is sufficient in advance according to the repayment date agreed in the contract, and the bank deduction system will deduct the full amount according to the monthly payment, without excessive deduction.

1. Payable amount is the amount that users need to repay in the current period, including principal and interest. When the user repays, he shall repay according to the payable amount shown in the bill, and the entered repayment amount shall be consistent with the payable amount, no more or less. If it is higher than the payable amount, it will prompt that the repayment amount is higher than the payable amount and lower than the payable amount, which will lead to the user's bad credit record. The repayment amount cannot be greater than the repayment amount, which means that the user only needs to repay according to the repayment amount, and the bank will not overcharge the user when repaying.

2. Payable amount of current bill: The billing cycle of credit card is in months, usually 30 days, which is generated after you apply for a credit card. After you activate, your billing cycle will last until the th of next month, during which your consumption will be counted as the first bill, and the repayment date will be set by yourself, usually with a time difference of about half a month.

3. Minimum repayment amount: The minimum repayment amount of a credit card is the minimum amount that needs to be repaid when using revolving credit, which is not less than 65,438+00% of the outstanding balance. The amount notified in the report shall prevail. If it is difficult for a credit card holder to repay all the payables before the due repayment date, he can make repayment according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is 65438+ 00% of the consumption amount plus other payables. The calculation method of the minimum repayment amount is: the minimum repayment amount = the accumulated unpaid part of the previous minimum repayment amount+the unpaid part of this month's cash withdrawal and transfer loans+this month's over-limit consumer loans+all over-limit consumer loans × 10%.