What do you mean the loan is due?

The expiration date of the loan contract refers to the expiration date of the loan contract signed by the lender and the bank. At the same time, it also represents the loan balance occupied by the year, month and month final repayment time and all loan termination time agreed in the loan contract.

A loan account is an account opened by an enterprise in a bank. The loan account belongs to a special account, and the bank handles the accounting procedures for issuing loans and recovering loans.

2. What do you mean the loan is due?

The maturity date is actually the repayment date, but the bank has a trading day and an entry date. Generally, the transaction on the same day is recorded on the second day, and the deposit is paid in one day.

3. Is the loan due date the repayment date?

The maturity date is actually the repayment date, but the bank has a trading day and an entry date. Generally, the transaction on the same day is recorded on the second day, so you will be asked to save money and repay it one day in advance. But it's no problem to communicate that day.

4. What does it mean to repay the loan when it is due?

Spread out completely

Usually, after the repayment is fully paid off, you can apply for the return of the collateral.

Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. It is a form of bank lending, and the collateral usually includes securities, China bonds, various stocks, real estate, bills of lading, warehouse receipts or other documents that prove the ownership of goods. When the loan expires, the borrower must return it in full, otherwise the bank has the right to dispose of the collateral as compensation.

Mortgage is divided into two forms: maximum mortgage and traditional mortgage. Maximum mortgage means that the mortgagor and the mortgagee agree to use collateral to guarantee the creditor's rights that occur continuously in a certain period of time, which is a new mortgage system different from the traditional mortgage system. Compared with the traditional mortgage system, the difference lies in:

(1) The creditor's rights secured by the maximum mortgage amount are uncertain creditor's rights;

(2) The creditor's rights secured by the maximum mortgage are usually future creditor's rights;

(3) if there is a maximum mortgage, it must exceed the maximum payment;

(4) The maximum mortgage shall not be transferred with the transfer of the principal creditor's rights. Although the maximum mortgage is more independent than the traditional mortgage, it still belongs to the collateral, and its establishment mode and effect are not essentially different from the traditional mortgage.

Necessary information of mortgage loan:

1. Application for credit business;

2. Current financial statements of the borrower and the mortgagor;

3. Resolutions of the board of directors of the borrower and the mortgagor;

4. Letter of commitment for credit guarantee issued by the mortgagor;

5. Collateral ownership certificate and insurance certificate;

6. An appraisal report on the value of collateral issued by an asset appraisal institution recognized by the bank;

7. Payment plan and repayment source;

8. Commercial contracts related to the purpose of the loan.