Precautions for credit repayment:
1. Before applying for a mortgage, handle the issues of credit reporting and income.
The importance of credit information for applying for mortgage is self-evident. Generally speaking, all banks have requirements for the number of overdue repayments, except for a few banks, most banks require no more than three times.
According to common sense, if an individual has applied for a loan or credit card in the past three months, there will be no problem with your credit information. If you are not at ease, we can go to the Credit Information Hall of the People's Bank of China or the online credit information system of the People's Bank of China. If there is a problem with the credit information, you need to contact the bank in time to eliminate it, so as not to affect the mortgage review.
2. Leave enough repayment time to prevent the delay in the arrival of the account from affecting the repayment record.
When handling the mortgage, the latest repayment time of each month has been agreed in the agreement. This repayment time refers to the arrival time of your repayment. Often due to system problems or differences between banks, the money may not arrive on the same day. Strictly speaking, if the payment arrives later than the agreed repayment time, you will be overdue once.
So we have to transfer the mortgage to the designated bank account two days in advance, so don't worry about the interest for these two days, and pay attention to the situation after payment.