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Also pay attention to mortgages during the Spring Festival Banks may have new changes!

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

The pace of the Spring Festival is getting closer and closer. Some buyers have a question as they welcome the New Year: How do you repay the loan during the Spring Festival? Is there any change in mortgage loan repayment? On thisMelt 360 HouseJun (fangdai123) reminded the majority of buyers to pay attention to the following issues.

  Mortgage repayment deductions are not affected by the holiday season

General mortgage loan deductions are automatically deducted by the banking system and are not affected by holidays. The deduction time is the same as the date of peacetime, so no deductions will be made in advance. However, it must be ensured that there are enough funds in the repayment account on the day of deduction, otherwise it will cause overdue.

  Mortgage overdue consequences are very serious

If the holidays are overdue due to insufficient funds in the account, they must promptly make up for the arrears and avoid overdue repayments. Normally there will be relevant clauses in the bank's mortgage contract. For three consecutive periods or six accumulated overdue periods, the bank will have the right to require the repayment party to repay the loan in advance. The three consecutive periods mentioned here means that there is no repayment date for three consecutive months. Repayment on time, accumulated overdue for about 90 days. The total of 6 overdue periods means that after the first overdue period, the money was repaid. After a month or months later, overdue period occurred and the money was repaid. This repeated six times.

There are differences in the degree of overdue easing between banks. Some banks require strict regulations, and may be overdue for one day, dozens of tens or even several bucks. Therefore, we must pay attention to clearly understanding the overdue number, overdue quota policy requirements, and pay attention to the terms of the loan contract.

 Interbank transfer repayment, pay attention to avoid the central bank to pay the clearing system downtime

According to the situation in previous years, the central bank will generally suspend small-sum payments and online payment of inter-bank clearing systems from the twelfth lunar month to the first lunar month of the second lunar month, which will affect the inter-bank transfer of home loan repayments. The specific liquidation time can be consulted with the lending bank. It is recommended that you avoid repayment during the liquidation period. It is best to advance the amount of the repayment to the repayment account in advance and make preparations as soon as possible, just in case.

  Repayment during the Spring Festival

  1, online banking, mobile banking

The easiest way is to make payments electronically through lending bank internet banking and mobile banking, which is convenient and quick.

  2. Third-party payment platform transfer

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

  3, ATM cross-bank transfer

ATM machines can also make inter-bank transfers to help repay mortgages.

Recent repayments may receive tips from the bank. Everyone can consult with the loan officer to understand the bank's latest repayment policy, make timely adjustments, and feel at ease for years.

Dozens of cities, hundreds of banks, all loan interest rates, all in the "find 360 housing" (fangdai123) public number, click on the menu "buy house tools", with the best interest rates, buy the most favorite house.

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