What should I do if the loan deduction balance of Postal Savings Bank is insufficient?

1. What should I do if the loan deduction balance of the Postal Savings Bank is insufficient?

Make up the deduction the next day. When the postal savings bank, the next day will be deducted. If the loan machine is used, the system will deduct money again on the repayment date. On the repayment date, the system will only start the automatic system once, and the deduction can only be made the next day. Because the next day's deduction is easy to cause overdue, when the balance of automatic deduction is insufficient, users can take the initiative

2. How to repay the account balance with provident fund loans and how to replenish it

Workers should take the initiative to deposit money in the bank card to avoid the bank's unsuccessful deduction again, so that they can enter the blacklist. Laborers can repay loans on a monthly basis, and the reimbursement system is adopted. That is, the housing provident fund is withdrawn from the individual housing provident fund account every month, and then transferred to the deduction bank account provided by the entrusted bank for housing provident fund loans to offset the principal and interest of the housing provident fund loans returned by the borrower last month. The monthly reimbursement amount of the provident fund is calculated according to the monthly repayment amount of the customer and the balance of the provident fund last month after retaining 12 times of the monthly payment amount of the provident fund. If there is only a 12-month monthly deposit in an employee account, there will be no withholding in the next month.

3. What should I do if the balance of automatic loan deduction is insufficient?

Hello, the balance of automatic loan deduction is insufficient. If the lender initiates multiple deductions on the repayment date, the system will deduct again on the repayment date. On the repayment date, the system will only start automatic deduction once. When the balance of automatic deduction is insufficient, the system can only make up the deduction the next day. Because the next day's deduction is easy to cause overdue, when the balance of automatic deduction is insufficient, users can take the initiative to make up the repayment amount. As long as the user repays in full on the repayment date, whether it is automatic deduction or voluntary repayment, the lending institution will regard the user as repaying on time. : 1. If the general loan is automatically deducted, the loan is generally a mortgage. On the day of mortgage repayment, the banking system will deduct several times, that is, when the balance of the first deduction is insufficient, the system will deduct the second deduction at any time until the mortgage is fully deducted. When the balance of the bank card is insufficient to pay the mortgage, the system will give priority to deducting the current balance of the bank card, and the lender can input the remaining amount into the bank card to wait for the second automatic deduction system. In order to avoid the failure of automatic deduction, it is recommended that the repayment person transfer the full amount to the bank card 1-2 days in advance, so as to avoid the automatic deduction period caused by the peak repayment period, which will lead to loans overdue and affect personal credit. 2. Housing loan is any form of housing loan support provided by banks and other financial institutions to property buyers, usually with the purchased house as collateral. According to the source of loans, it is divided into provident fund loans and commercial loans. According to the repayment method, it is divided into equal principal and interest repayment method and equal principal repayment method. The mortgage 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. 3. The loan can be applied for deferred repayment. If not, the customer actively contacts the customer service of the handling bank (lending institution/platform) to explain the situation, indicating that it is temporarily unable to repay, and provides corresponding proof materials (such as unemployment certificate, labor contract cancellation certificate, etc.), and then tries to apply for an extension of repayment period and repayment by installments. Banks (lending institutions/platforms) will consider it as appropriate. Of course, the bank (lending institution/platform) will not allow the customer to apply for extension if the customer clearly has the repayment ability but deliberately refuses to repay. 4. It should also be noted that some lending institutions themselves also provide extended services, such as family credit consumer finance. Customers can apply for extension directly at least 15 days before the next repayment date if they purchase the flexible guarantee service package when handling the loan, as long as they repay it in full and on time for 5 times in a row (the flexible guarantee service package also provides the service of changing the repayment date and can repay flexibly).