It should be noted that when changing cards in the bank, you must bring your ID card and the old card in front, fill out a special business application form, and copy your ID card. It can be used when the card is successfully replaced, and the money in the old card will be transferred to the new card, but the online banking is bound to the old card number, so you can get a new online banking card! Remember to cancel the online banking of the old card first.
Do I need a credit card to pay off my mortgage?
No need. However, you must pay attention to using credit cards, and the repayment cannot be overdue.
Personal credit card overdraft or access will not affect the mortgage as long as there is no bad record such as overdue repayment, but if there is a bad repayment record on the credit card, it will affect the application for mortgage. If the credit card is seriously overdue, even the house loan can't be applied.
Matters needing attention in mortgage repayment
1. If the repayment period is over half, the borrower does not need to rush to repay in advance, because the principal accounts for a large proportion of the current monthly repayment amount, and interest cannot be saved by repaying in advance at this time.
2. If the borrower's mortgage interest rate is lower than that of deposit interest rate, there is no need to rush to repay in advance, and you can deposit your money in the bank to get more income.
3. If the borrower has a good investment project and the investment return rate is higher than the loan interest rate, there is no need to repay the loan in advance. Whether the mortgage term is long or short cannot be generalized. If the family income is considerable and the economic pressure is low, we suggest that you choose the form of short-term mortgage, while if the family income is low and the expenditure is high, you can choose the form of long-term mortgage.