Why has the housing loan been paid off and enough money has been deducted? Why do you still receive dunning information?

After the loan is paid off, the user receives a reminder message. This is because the information is sent by the system in a unified way, and there is a certain lag after repayment, so the user also received a reminder message. As long as the user has paid off the arrears, there is no need to pay attention to the subsequent dunning information. Users can also call the customer service hotline of the loan directly, so that the manual customer service can check whether their loan has been paid off. After the loan is paid off, the user's credit information will leave a normal credit information, which is helpful for the subsequent application for credit business.

1. Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral. According to the source of loan funds, it is divided into provident fund loans and commercial loans. According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method. The housing loan interest rate is based on the benchmark interest rate of banks in the same period, and the loan interest rates of different banks have increased slightly.

2. According to the repayment method, housing loans are divided into two types: matching principal and interest repayment method and average capital repayment method. Matching principal and interest repayment method is to repay the same amount of loans (including principal and interest) every month during the repayment period, so that because the monthly repayment amount is fixed, the expenditure of family income can be controlled in a planned way, and it is also convenient for each family to determine the repayment ability according to their own income. Average capital's repayment method is to repay the principal in equal amount every month, and then calculate the interest according to the remaining principal. Therefore, due to the large amount of principal in the early stage and the large amount of repayment in the early stage, it has been decreasing every month since then. The advantage of this method is that due to the large amount of early repayment, it reduces interest expenses and is more suitable for families with strong repayment ability.

3. Equal principal and interest repayment method is also called monthly average method. The repayment speed of principal is slow and the repayment pressure is light, at the cost of paying more total interest. Compared with the repayment method in average capital, the difference in total interest is not obvious in the short-term (1-5 years), but only exists in the long-term (20-30 years). Whether the repayment of equal principal is equal principal and interest repayment or not, the calculation method of interest for each period is the same, that is, it is equal to the remaining principal multiplied by the monthly interest rate. The choice of repayment method depends on the individual's repayment ability. You should not choose the principal repayment method just because the total interest paid is small. In practice, many people still choose the repayment method of equal principal and interest.