Why is the actual repayment inconsistent with mobile banking?

The mortgage repayment information of CCB is out of sync.

There are two possible situations that can lead to asynchronism:

① The actual purchase price you paid to the developer in the purchase contract is inconsistent with the actual loan amount itself; Example: The total purchase price is 6,543,800+0,000, the actual down payment is 400,000, and the loan is 600,000; Then the Construction Bank actually paid you 600,000 yuan, and the loan contract amount reflected by your credit information was 600,000 yuan;

② If the loan amount is inconsistent with the credit amount; Then it depends on whether the original actual loan amount is consistent with the loan amount originally issued to you reflected by the credit information; If the original loans are consistent, there is no problem; Your current debt is decreasing with your monthly repayment, so the principal of your loan is decreasing, so there will be a situation that your current loan amount is inconsistent with the original loan amount;

Suggested solution:

① The information in the mortgage loan contract of China Construction Bank is consistent with the information in your mobile banking loan project of China Construction Bank; If it is inconsistent, it is recommended to consult CCB customer service;

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1. It is normal that the mortgage loan account number is inconsistent with the repayment account number. After the mortgage application is successful, the bank will generally notify the user by SMS, which will explain the loan execution interest rate, the start and end time of the loan, the loan amount and the loan account number, in which the loan account number refers to the tax return loan contract number, not the repayment account number.

2. The repayment account number is easy to understand, that is, the debit card number of the user who repays the bank mortgage every month. Generally, the mortgage is automatically deducted from the repayment account by the user, and the applicant only needs to ensure that the account funds are sufficient before the repayment date.

It must be my bank card, and repayment by others cannot be changed:

1. The mortgage loan contract is signed by the borrower and the bank. The loan has been issued and the contract has come into effect. The borrower cannot be changed. Therefore, the mortgage can only be repaid by the borrower himself, and it must be deducted by the bank card in the name of the borrower. No one can change the repayment.

2. If the repayment card is lost, go to the loan bank to reissue it immediately. If you can't get a new card before the repayment date, contact the personal loan center of the mortgage bank for repayment.

3. If the card number changes after the repayment card is replenished, you should go to the personal loan center of the mortgage bank to change the bank card in time to avoid delaying repayment.

How to change the card number of mortgage repayment bank card;

First, open a new card. Secondly, change the repayment account at the original loan bank with a new card, ID card and loan contract, and follow the following steps:

1, when you go to the bank to change your card, you must bring your ID card and the old card in front, fill out a special business application form and copy your ID card, and then pay 5 yuan!

2. Changing the card means changing the card number. How can there be the same account? The number of each bank card is unique! Unless it is a passbook, it will be converted without changing the account number!

3. At that time, the card was successfully changed and it can be used!

4. The money in the old card will also be transferred to the new card, but the online banking is bound to the old card number. How to use the online banking of the old card number for the new card number? Get a new online banking card! Remember to cancel the online banking of the old card first!

The number of credit card repayments displayed by CCB Mobile Banking and WeChat is different.

No, the accounts inquired by CCB in different channels are actually the same, but the display may be different, which makes you unclear.

When inquiring in mobile banking, only the payable amount and the minimum repayment amount will be displayed. The current bill of this card will not prompt you for the amount payable in this period; If you are bound to WeChat, WeChat will also remind you of the total repayment amount and the minimum repayment amount in this period, which must be the same as that shown by mobile banking. It's just that after you pay the money, WeChat will remind you of the amount that should be repaid in this period, which is not available in this mobile banking.

If you are unclear, you can take a screenshot and ask questions.

The bank card balance calculated by yourself does not match the SMS prompt?

1, banks generally do not have miscalculations.

Maybe some money is not included, or it may be the annual fee deducted by the bank from time to time.

3. Without these two situations, I can go to the bank with my ID card, card and mobile phone, and I can go to the bank to make daily accounts. If it is a bank problem, I will make corresponding compensation after I find out. If it is my own problem, I can see the reason for the non-conformity.

If this problem occurs, it is the fault of the bank, and the running account is directly taken to the bank. After checking, the bank staff will report the loss and compensate accordingly. If it is your own problem, you can also find the problem through the running account, without worrying about the reason why the bank card balance does not match the SMS prompt.

Extended data

The so-called running account bookkeeping software refers to the account that records the entry and exit of money or goods every day, regardless of categories, and also refers to the account book that keeps the running account. Account book setting of journal: a single journal is a comprehensive account book, which is recorded in chronological order, regardless of items, abstracts and details.

Private account running refers to the bank card (debit card) or bank current passbook in the customer's own name, as well as the transaction list of deposit and withdrawal business with the bank within a period of time.

The operation of corporate account refers to the list of deposit and withdrawal business with the bank in the corporate account of the bank customer "corporate customer" (opening a basic corporate account).

The main forms of bank flow investment: the input is the lender, and the output is the borrower, mainly including card deposit, existing, transfer, salary, renewal fee, online banking transfer, payment for goods, labor fee, etc.

Credit card statement: the transaction record of credit card account is the transaction statement given by the bank to the customer, which can only be regarded as a transaction record, not a bank running record.

Resource Bank Running Bill _ Baidu Encyclopedia

Why do I actually pay off the mortgage and the remaining loan figures displayed by mobile banking do not match? How do you want to call for information?

You can call the manager who helped you with the mortgage at that time to ask, and then calculate the difference between the mortgage you actually paid and the one displayed on your mobile phone. Ask clearly when communicating with the mortgage manager.

Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.

20165438+the latest survey data of 2003124 October shows that according to the sample data of 10,1-132

2065438+June 2008, Beijing Industrial Bank has outlets to raise the interest rate of the first home loan by 30% compared with the benchmark interest rate. The staff of a branch in Chaoyang District of Industrial Bank said that the current notice of the branch is that the interest rate of the first home loan will rise 10% on the basis of the benchmark probability. "The interest rates of other branches are not clear."

housing loans

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan

Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.

Folding self-operated loan

Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.

Folded portfolio loan

Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc.

Loan amount: 80% of the value of the loanable property after being audited by the bank.

Mortgage down payment: 30% down payment for the first home mortgage loan and 50% down payment for the second home mortgage loan.

Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age must not exceed 70 years old.

Loan interest rate: the benchmark interest rate of the first home loan for more than five years is 6.55%, and the interest rate of the second home loan is 7.26% when the benchmark interest rate rises 1. 1 times.