What time is the Agricultural Bank of China mortgage loan deduction time?

Agricultural Bank of China does not clearly state the deduction time, but the mortgage deduction time is generally around 17:00-21:00.

Therefore, if your housing loan repayment date is the 20th of each month, you must ensure that you have enough money in your card to repay the mortgage for that month before five o'clock in the afternoon on the 20th to avoid deduction failure.

If the personal housing provident fund payment fails to be deducted on the repayment date, you should consult the bank whether it will automatically make up for the deduction.

1. Personal housing provident fund loans: Personal housing provident fund loans refer to employees of units who have paid housing provident funds to the fund management center on time and normally use their property rights when purchasing and building self-occupied housing (including second-hand housing) in this city.

Loans applied to the Fund Management Center as collateral and guaranteed by a legal person with guarantee capabilities.

The loan can be issued by the bank entrusted by the Fund Management Center.

2. Personal housing commercial loans can be roughly divided into six categories: (1) personal housing purchase loans (including off-plan housing and existing housing); (2) personal second-hand housing loans; (3) personal housing decoration loans; (4) personal household consumption

Loans; (5) Personal commercial housing loans; (6) Personal housing portfolio loans; (1) Personal housing purchase loans refer to loans issued by banks where the borrower uses the purchased housing as collateral, including off-plan mortgage loans and existing home mortgages

loan.

Among them: off-plan houses refer to houses under construction or houses that have been completed and accepted and are undergoing house ownership certificates; existing houses refer to houses that have been completed, passed inspection and acceptance, and have obtained house ownership certificates.

The maximum amount of personal housing loans issued by banks is 80% of the purchase price.

(2) Personal second-hand housing loans refer to loans issued by banks to borrowers for the purchase of second-hand housing.

Among them, second-hand houses refer to houses that have obtained full property rights and can enter the secondary real estate market for circulation and transactions.

The age of the second-hand house applying for a loan generally does not exceed 15 years; the sum of the loan term and the age of the house generally does not exceed 25 years.

(3) Personal home renovation loans refer to loans issued by banks to borrowers for the renovation of their own homes.

The maximum percentage ratio shall not exceed 50%, and the maximum loan period shall not exceed 5 years.

(4) Personal household consumption loans refer to loans issued by banks to borrowers for household expenses.

The maximum interest rate shall not exceed 50% of the assessed value of the collateral, and the maximum loan term shall not exceed 10 years.

(5) Personal commercial housing loans refer to loans issued by banks to borrowers for the purchase of individual self-operated commercial housing and self-occupied office housing.

The commercial house purchased should be an existing house, the maximum percentage ratio shall not exceed 60%, and the maximum loan period shall not exceed 10 years.

(6) Personal housing portfolio loans refer to loans composed of housing provident fund loans and housing guaranteed loans, that is, when an individual applies for a housing provident fund loan that is not enough to pay for the purchase of a house, the shortfall is applied for a commercial housing loan from the bank.

called.

The two loans are calculated separately according to the provident fund loan interest rate and the commercial loan interest rate, and the loan terms are the same.

Borrowers can apply for portfolio loans from banks that accept provident fund loans.

3. Housing entrustment loans Housing entrustment loans refer to loans issued by banks to individuals purchasing ordinary housing in accordance with specified requirements, using housing provident fund deposits as the source of funds, and in accordance with the entrustment of the housing provident fund management department.

Self-operated housing loans are loans issued to individual home buyers with bank credit funds.

4. Housing portfolio loans Housing portfolio loans refer to loans issued from housing provident fund deposits and credit funds to individuals who purchase the same ordinary house for self-use. They are a combination of personal housing entrusted loans and self-operated loans.

5. Housing savings loan Housing savings loan refers to a type of loan in which home buyers deposit money in the bank in advance in order to obtain a bank loan.

It is a contractual housing savings established by banks to solve the financial difficulties of home buyers who have not participated in the provident fund, or who have obtained provident fund loans but still have a fund gap.

What time does the Agricultural Bank of China mortgage loan deductions take at night? Taking Fuzhou City, Fujian Province as an example, the Agricultural Bank of China mortgage loan deduction time is around 17:00.

On the day when the mortgage loan is deducted, banks usually use batch deductions to transfer the amount. However, the batch deduction time of each bank is not necessarily the same. Therefore, banks generally recommend that cardholders pay the amount before the repayment date.

, the money will be deposited into the debit account.

Taking the Agricultural Bank of Fuzhou as an example, a few days before the repayment date, the bank will send a text message to the customer, reminding the customer that x will be the last repayment day, and they need to deposit the mortgage loan before 17:00 on the repayment date to protect the account.

Balance can be transferred.

Since different banks have different mortgage deduction times, if the cardholder does not understand this "rule", it is easy to exceed the time limit accidentally.

Banks generally assess customers' credit records based on the "three in a row and six in a row" criteria.

The so-called "three in a row and six in a row" refers to overdue repayments "for three consecutive months, a total of six times".

Suppose a customer's mortgage is overdue for three consecutive months or six times in total. If he applies for a loan again, the bank will definitely be more cautious.