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During the Spring Festival mortgage also pay attention to the bank may be a new change!

Time: 2018-02-11         Source: Financial 360 original         Author: Jada

The pace of the Spring Festival is getting closer, there are buyers in the New Year also have a question: how to repay the Spring Festival? Mortgage repayment deductions have not changed? This360 room to meltJun (remang) remind buyers to pay attention to the following questions.

  Mortgage repayments are not affected by the holiday

General mortgage repayment deduction is automatically deducted from the banking system, not affected by the holiday, debit the same time and peacetime, so will not be charged in advance. However, to ensure that the day of debit, repayment accounts have sufficient funds, otherwise it will result in overdue.

  Mortgage overdue consequences are serious

If the holidays due to insufficient funds due to account overdue, repayment of arrears in a timely manner to avoid the recurrence of overdue. Usually the bank mortgage contract will have the relevant provisions, for three consecutive periods or a total of 6 overdue, the bank has the right to repay the loan repayments ahead of schedule, said here for three consecutive periods, refers to the three consecutive months of repayment date Repayments on time, accumulated overdue 90 days. A total of 6 overdue refers to the first overdue, the money back, after a month or months, but also overdue, and the money back, so repeated six times.

Banks have different degrees of overdue easing. Some banks are demanding. One day, tens or even a few bucks may be overdue. Therefore, we must pay attention to understand the number of overdue, overdue amount of policy requirements, and pay attention to the terms of the loan contract.

 Inter-bank transfer repayments, pay attention to avoid the central bank payment and clearing system outage

In accordance with the situation in previous years, the central bank will suspend the micro-payment system and the online payment inter-bank liquidation system during the twelfth lunar month from the first lunar January to the second lunar month, which will affect the mortgage repayments of inter-bank transfer. The specific liquidation time can consult the loan bank, suggest that you avoid repayment during the liquidation, the best repayment amount should be hit in advance repayment account, be prepared early, just in case.

  Repayment method during the Spring Festival

  1, online banking, mobile banking

The easiest way is through the loan bank online banking, mobile banking and other electronic repayment, convenient and quick.

  2, third-party payment platform transfer

At present, many payment platforms have transfer functions, but pay attention to a few days in advance transfer, so as to avoid a good overdue.

  3, ATM cross-bank transfer

ATM machines can also be cross-bank transfer, to help repay the loan.

Recent repayments may be prompted by the bank, we can consult the loan officer to understand the latest bank repayment policy, make timely adjustments, ease the good years.

Dozens of cities, hundreds of banks, all lending rates, all in the "financial 360" (fangdai123) public number, click on the menu "buy a house tool", with the best interest rates to buy the most favorite house.

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