When do you usually apply for a bank mortgage, and after the loan is completed, you will start to pay back the monthly loan-

For the buyers who buy first-hand existing houses or second-hand houses, the bank will ask for the repayment of the loans approved in the current month. You will receive a phone call or text message from the bank: "Since your money has been released, please start the repayment on what day, how much to repay each month and how many months to repay, and don't forget to repay on time".

The first deduction of the loan needs to be full-term. If it is less than one month, the corresponding repayment date of the current month will not be deducted, and it will be postponed to the corresponding repayment date of next month for one-time deduction. (The first deduction is the total repayment amount from the loan date to the repayment date of next month, so it will be more than the subsequent monthly payment).

For example, the lending date is 65438+ 10 month10:1; If the monthly payment deduction date is 15, the first deduction date is February15; 2. If the monthly payment deduction date is 5th of each month, the first deduction date is 5th of March.

The specific repayment time needs to contact the loan manager to verify, and there will be some differences among banks.

Extended data:

There are three main repayment methods for buying a house by loan: matching principal and interest, average capital, and one-time repayment of principal and interest.

1. Repay the principal and interest on a monthly basis. This repayment method has the same repayment amount every month during the loan period. This will help you remember the repayment amount and make a good income and expenditure plan.

2. Repay the principal in equal amount every month. This kind of repayment is to share the principal evenly throughout the repayment period, and calculate the interest on a daily basis according to the loan principal balance. This repayment method is different every month, and it is decreasing every month. This comparison is aimed at borrowers who have strong repayment ability at the initial stage of the loan and want to pay a large sum at the initial stage of repayment to reduce interest expenses.

3. One-time repayment of principal and interest. This repayment method has a limited loan period and can only apply for a one-year loan. There was no repayment pressure at first, but it was time to repay. The pressure is great. Unless you are absolutely sure that you can repay within the repayment period, this repayment method is not recommended.