Change the procedures required for bank cards to be used for mortgage repayment:
Go to the original loan bank to fill in the application for change, then reissue the income certificate and open a new repayment person.
1. The borrower's loan bank applies for changing the loan repayment method, and provides the original personal housing mortgage loan contract.
2. After examination and approval, the parties concerned shall sign a change agreement.
3. After the borrower repays the last installment of the current year and fails to repay the loan in arrears, the new repayment method will take effect from the first installment of the following year.
Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.
Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners), also need the participation of Fuxun Appraisal Company and mortgage guarantee company when applying for loans.
Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that the mortgage utilization rate has reached a high level in major first-tier cities in China at the end of 20 10. In terms of the lack of such loans, the proportion of hidden loans has reached more than 70%, and in recent years, more and more residents have used their own names or relatives' properties to apply for mortgage loans to revitalize their properties. "Mortgage" has become a way of life closely related to residents' lives.
Baidu encyclopedia-mortgage
Can I change my bank card for repayment?
Bank card repayment can be changed as follows;
(1) It is necessary to explain the situation to the lending bank, replace it with a new one after approval, and inform the bank;
(2) If the original card is lost, notify the lending bank as soon as possible;
(3) notify the loan bank of the new card in time after reissue;
(4) If Lyu3 bu4 repays the loan just during the loss reporting period, contact the loan bank to ensure the normal repayment of the loan or a few days grace period.
credit card repayment
Credit card repayment means that when the cardholder's credit card consumption reaches the final repayment date, in order to ensure the cardholder's good credit record, the bill consumption funds will be returned to the bank.
Repayment process
Issuing bank also
1. Log in to the ATM repayment homepage of the opening bank and click on the credit card repayment;
2. Fill in the credit card repayment information: select the credit card issuer according to the prompt, enter the credit, cardholder's name, monthly repayment date, repayment amount and contact information and confirm;
4. Transfer out the debit card to complete the payment through online banking: according to the prompt, complete the payment through online banking with the debit card of another bank;
5. Query the transaction after repayment and print the receipt.
Network repayment
Credit card online repayment is one of the main repayment methods of bank credit card repayment, and online repayment has become a common repayment method for credit card users.
1. Payee account name: fill in the name of the credit card holder.
2. Payee's bank: fill in "Bank Credit Card Center".
3. Transfer to payee's account: fill in 16-digit credit card.
4. Remarks: Fill in "Credit Card Repayment".
5. Withdrawal password: fill in the one-card withdrawal password.
6. After confirmation, the system will prompt whether the transfer was successful and the transfer amount.
7. Accepted currency for repayment of the "payment plan" function: RMB.
8. Cardholders can use the "payment plan" function to set the payment date in advance, and online banking will transfer the money from one card to the cardholder's credit card or someone else's credit card designated by the cardholder once or regularly every month according to the cardholder's requirements.
9. Currency accepted for repayment by the "credit card payment" function: USD and RMB.
10. If the cardholder has opened the "Personal Banking Professional Absence Edition" version 4.5 and above on the one-card network and has handled the one-card and credit card self-service transfer business, he can use the "credit card payment" function to transfer the funds in the one-card account of the cardholder to his own disguised credit card for repayment.
Can the mortgage bank card be replaced?
If you need to change the personal housing loan account handled by China Merchants Bank, you can call the customer service hotline or contact the loan handling bank for immediate effect. If it is necessary to add/change the secondary deduction account number, the account number to be changed must be a Kabang buried account in the name of the borrower or co-debtor.
How to change the repayment bank
If the bank loan is filled in incorrectly, it can be modified. Contact the loan account manager directly and provide the correct one for correction. If the bank makes a mistake, the bank will show that it is unsuccessful when issuing loans, so it is very important that the bank code is correct. If the online loan bank card is filled in incorrectly, you need to contact the loan platform immediately to modify the bank card information. If the loan has been made, it is best to find the lending bank to freeze the funds, and then apply to the platform to advance the unfrozen funds. The borrower must not pay the so-called "authentication fee" or "unfreezing fee" by himself. Under normal circumstances, the bank or payment platform transfer system can transfer money successfully only if the bank card information, including the account name, is consistent with the bank, otherwise the money will return to the original way and the transfer will fail.
1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct.
2 have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan on schedule.
3. Have a good credit record and willingness to repay, and no bad credit record.
4. It can provide legal, effective and reliable guarantees recognized by banks.
5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations.
6. Other conditions stipulated by the bank. Dim and bright
I. Conditions for applying for housing mortgage loans from banks:
1, and the service life of the house can reach 20 years (including 20 years);
2. The construction area should be more than 50 square meters;
3. The house is highly mobile;
4. The amount of mortgage loan shall not exceed 70% of the appraised value of the house.
Second, the repayment method of bank loans:
1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same.
2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month.
3. Pay interest and repay the principal monthly: that is, the borrower repays the loan principal in one lump sum on the maturity date of the loan [the loan with a term of less than one year (including one year)], and the loan bears interest on a daily basis and the interest is repaid on a monthly basis.
4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.
6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.
Let's not talk about how to change the bank card when repaying.