When will the mortgage be repaid?

For bank mortgage borrowers, they usually start to repay their loans the month after the bank lends money.

The repayment method of the loan is:

1, interest is paid first. This law is also known as the final settlement method, which means that the borrower pays off the loan principal and interest on the loan maturity date, and repays the interest every month. Generally applicable to loans with a term of 1 year (inclusive).

2. Equal principal and interest repayment method. Refers to the equal repayment of loan principal and interest every month during the loan period.

3. The average capital repayment method refers to the equal repayment of the loan principal every month during the loan period, and the loan interest decreases with the principal month by month. It is characterized by regular and fixed repayment of principal, monthly payment and fixed reduction of monthly loan balance.

4. Equal-ratio progressive repayment method: the borrower repays the loan with a certain proportion of progressive amount (installment amount) in each time period, in which the amount returned in each time period includes the interest and principal payable in that time period, and repays it in installments according to the repayment interval, and pays off all the principal and interest before the loan deadline.

When will the repayment start after the bank loan comes down?

You can log in to online banking and inquire about the loan situation through the function of "Loan Management-Loan Inquiry and Settings", including historical transactions, application progress, contracts, remaining repayment plans, line details, overdue information, etc. You can also change the repayment account. You can also log in to mobile banking and check the loan situation through the function of "Home Page-Loan Management-My Loan", including historical repayment, overdue, remaining repayment plan, loan amount, contract and other information. You can also change the repayment account and prepay.

The above contents are for your reference. Please refer to the actual business regulations.

When will the repayment start after the mortgage comes down?

After the bank mortgages, the repayment starts from the next month, and each bank has the last time to ask for repayment, which does not mean that the loan will be calculated after one month. If a bank's repayment date is 5 days, it should be repaid on February 5. Specific process of mortgage loan: (1) Buyers who want to obtain mortgage loan services should pay attention to this aspect when choosing real estate. When buyers learn in advertisements or through the introduction of sales staff that some projects can apply for mortgage loans, they should further confirm whether the real estate developed and built by developers has obtained the support of banks to ensure the smooth acquisition of mortgage loans. (2) After confirming that the selected property is supported by bank mortgage, the buyer applying for mortgage loan should know about the bank's regulations on mortgage loan support to the buyer from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the mortgage loan application form. (3) The bank that signed the house purchase contract receives the relevant legal documents of the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it will issue a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents. (4) Signing a building mortgage contract After signing the house purchase contract and obtaining the proof of payment, the buyer will sign a building mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and clarify the rights and obligations such as the amount, term, interest rate and repayment method of the mortgage loan. (5) Handling mortgage registration. Insurance buyers, developers and banks shall handle mortgage registration and filing procedures with the real estate management department on the basis of the Building Mortgage Loan Contract and the House Purchase Contract.

When will the repayment date of CCB's mortgage start?

After the personal commercial housing loan of CCB is issued, it will send a notification message to the customer, which contains the date of the first repayment. Customers can also view the basic information of CCB personal loans (such as repayment date, loan term/principal balance/details/account number, execution interest rate, repayment account number, etc.). ) through self-service channels such as CCB mobile banking and personal online banking.

Query method: 1. Log in to the mobile banking of China Construction Bank and inquire through the "Loan-My Loan" menu. 2. Log in to CCB Personal Online Banking and inquire through the menu of "Loan Service-Other Personal Loans-My Loans".

(In case of business changes, please refer to the actual situation. )