Information > General article > Home loan strategy > Commercial loans >  text

Pay attention to the mortgage during the Spring Festival. Banks may have new changes!

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

The footsteps of the Spring Festival are getting closer and closer. There are also questions about the buyers who are welcoming the New Year. How to repay the loan during the Spring Festival? Has there been any change in mortgage repayments? In this regardRong 360 said roomJun (fangdai123) reminds the majority of buyers to pay attention to the following questions.

  Mortgage repayments are not affected by the holiday season

The general mortgage repayment deduction is automatically deducted by the banking system and is not affected by the holidays. The deduction time is the same as the date of peacetime, so no deduction will be made in advance. However, to ensure that there is sufficient funds in the repayment account on the day of the deduction, it will cause overdue.

  The consequences of overdue mortgages are very serious

If the holiday is overdue due to insufficient funds in the account, it is necessary to make up the arrears in time to avoid overdue. Usually there are relevant clauses in the bank mortgage contract, for three consecutive periods or six times overdue, the bank has the right to ask the repayment person to repay the loan in advance. The three consecutive periods mentioned here refer to the repayment date for three consecutive months. Repayment on time, accumulated over 90 days. The cumulative 6-year overdue means that after the first overdue, the money will be repaid. After a month or a few months, it will be overdue and the money will be repaid. This is repeated 6 times.

There is a difference in the degree of easing between overdue banks, and some banks are strict. It may be overdue for one day, dozens or even a few dollars. Therefore, pay attention to understand the overdue number, overdue policy requirements, and pay attention to the terms of the loan contract.

 Cross-bank transfer repayment, pay attention to avoid the central bank payment clearing system outage period

According to the situation in previous years, the central bank generally suspends the micropayment system and the online payment interbank clearing system from the 28th of the twelfth lunar month to the second day of the first month, which will affect the inter-bank transfer mortgage repayment. The specific liquidation time can consult the loan bank. It is recommended that you avoid repayment during the liquidation period. It is best to put the repayment amount into the repayment account in advance and prepare well soon, just in case.

  Repayment method during the Spring Festival

  1. Online banking and mobile banking

The easiest way is to repay electronically through loan bank online banking, mobile banking, etc., which is convenient and quick.

  2. Third-party payment platform transfer

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

  3, ATM cross-bank transfer

ATM machines can also make cross-bank transfers to help with mortgage repayments.

Recently, the repayment person may receive a reminder from the bank. You can consult the loan officer to understand the bank's latest repayment policy, make timely adjustments, and feel comfortable for a good year.

Dozens of cities, hundreds of banks, all loan interest rates, all in the "Fin 360 said room" (fangdai123) public number, click on the menu "buy a house tool", use the most favorable interest rate, buy the most favorite house.

    You may need these loans

    Room loan

    Loan with mortgage record

    500000

    Maximum amount

    0.89%

    Minimum monthly interest rate

    1 day

    Fastest loan time

    apply immediately

    Redemption

    Debt mortgage

    6.5 million

    Maximum amount

    2.20%

    Minimum monthly interest rate

    30 days

    Fastest loan time

    apply immediately

    Home loan

    Home mortgage, good capital turnover

    10 million

    Maximum amount

    1.20%

    Minimum monthly interest rate

    7 days

    Fastest loan time

    apply immediately

    Decoration loan

    Buying a house renovation loan

    500000

    Maximum amount

    0.37%

    Minimum monthly interest rate

    1 day

    Fastest loan time

    apply immediately
    Save this article to my mailbox
    Subscribe to mortgage, property news

    Sweep and make buying a home easier!

    Welcome to pay attention to Rong 360 mortgage
    Official WeChat (Fangdai123)

    [Exclusive Manuscript and Disclaimer] Any work, such as "360 Original", without the written authorization of 360, may not be reproduced, extracted or otherwise used by any unit, organization or individual. If you have been authorized in writing, please indicate the source of 360. Anyone who violates the above statement and infringes on the legal rights and interests of Rong 360 shall be investigated for legal responsibility according to law. The materials and conclusions in the works are for user's reference only and do not constitute operational recommendations. To obtain written authorization, please send an email to: academy@rong360.com

    Comment list (user comments are only for users to express their personal views, does not mean that the site agrees with its views or confirms its description)
    you may also like
    • What changes will happen to the banking wealth management market in 2015?  In 2014, bank wealth management products apparently suffered some setbacks. For example, the yield rate has fallen, the circulation has declined, and the wealth management funds have been diverted by the stock market and Internet finance. But it is undeniable that the scale of wealth management products in 2014 (44 trillion) is still much higher than that of babies (less than 6 trillion) and...
    • Will the credit history of the borrower change during the loan extension period? Question: Rong 360 loan expert, hello! Will the credit history of the borrower change during the loan extension period? Rong 360 loan expert reply: Hello! Have. The personal loan extension period indicates that the borrower cannot repay the loan in accordance with the time limit stipulated in the contract, in its personal credit report...
    • What will happen to your life when the RMB depreciates?  The recent sharp depreciation of the renminbi has caused widespread concern in the community. The impact of the devaluation of the renminbi has many aspects. For example, the export enterprise is good, and the person, the RMB depreciation, will your life change? Here are 360 ​​major editors that have compiled several main aspects:...
    • How to repay the mortgage during the Spring Festival Will the bank deduct the money in advance?  As the Spring Festival approached, did everyone start to buy new year's goods and organize the backpack to start preparing for their journey home? Presumably, many people have not moved but their hearts have already flown back to their hometowns, but the silver rate editors here are reminding friends who have mortgages, car loans, credit cards, because the Spring Festival...
    • Can I borrow during the Spring Festival?  Mr. Zhao went back to his hometown to use the money in the past few days. He saw on TV that the unsecured loan can be released in one day. I came to our 360 question and answer platform to consult if I can still lend now. When I saw this problem, the credit manager replied: Now the bank has almost no money,...

    Buying a house loan

    Room loan

    Loan with mortgage record

    Redemption

    Debt mortgage

    Home loan

    Home mortgage, good capital turnover

    Decoration loan

    Buying a house renovation loan