When will the Agricultural Bank of China deduct money on the deduction date?

1. What's the date of mortgage deduction of Agricultural Bank of China?

Hello, the repayment time of our personal housing loan is agreed as follows:

Due to the long time span of system deduction, in order to avoid affecting the customer's credit record, the repayment person should deposit enough money to repay the principal and interest of the current loan before the repayment date 17:00 in accordance with the agreement in the Personal Housing Guarantee Loan Contract, and in principle, it will not be repaid after the deadline, and consult the loan bank in detail.

For example, the 20th of each month is the repayment date agreed in the contract, so you need to deposit the current loan principal and interest into the repayment account before the 20th of that month 17:00, and the repayment time is late, so there may be cases where the system will not deduct money. )

At present, all kinds of bulk businesses such as wealth management, loans and agency payment are carried out within a certain time interval after the day-end settlement, and the specific time is not fixed. In the actual implementation process, the system will complete the deduction within the agreed date, which is subject to the actual deduction time. Therefore, it is recommended that you ensure that the repayment amount reaches the account before the agreed date 17:00.

(Answer time: 202165438+February 20th. In case of business change, please refer to the actual situation. )

Second, when is the mortgage usually deducted?

Hello, if you are looking at the repayment date of your card, you can inquire through channels such as mobile banking, online banking and telephone customer service. Deduction time:

1, twice a day: at about 5 am, at noon 12, if the first deduction is not enough, continue the second deduction;

2. If the previous two deductions are unsuccessful, you need to make emergency repayment on the same day before 24: 00 on the night after deposit, which can be done automatically through mobile banking, online banking and customer service.

Commercial loan: Please deposit enough money in the debit card current account one day before the deduction date, and the system will automatically deduct the money (normal deduction on holidays). Tips: Failure to repay on time will result in default interest and compound interest, which will affect the credit investigation ~

3. When will the mortgage be deducted on the deduction date?

On the repayment date of the mortgage, the general bank will deduct the money at noon that day 12. After binding the bank card and signing an automatic deduction agreement with the bank, the banking system is an individual housing loan that is automatically deducted from the repayment card on the repayment date. Refers to the loan issued by the lender to the borrower for the purchase of self-occupied ordinary housing. Personal housing loan business is one of the main asset businesses of commercial banks. Refers to the loan issued by a commercial bank to a borrower for the first time to purchase a house (that is, a house sold to an individual after development and construction by a real estate developer or other qualified development subject). Personal housing loan mainly has the following three loan forms: (1) Personal housing entrusted loan is the full name of personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses. (2) 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, personal housing secured loans. (3) Personal housing portfolio loan refers to the 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. The loan object should be a natural person with full capacity for civil conduct. The borrower must meet the following conditions: 1. Have permanent residence in cities and towns or valid residence status; Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest; Three, with the purchase of housing contracts or agreements; Four, do not enjoy the purchase subsidy to not less than 30% of the total price of the purchased house as the down payment; 30% of individuals who enjoy housing subsidies are down payment for housing purchases; Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors; 6. Other conditions stipulated by the lender.

Four. What are the latest deductions on the last repayment date of mortgage?

1, each bank is different, and loan deduction is system batch deduction. Usually three to five times a day. 2. The mortgage needs to be deposited in advance. If the card is deposited at the last cut-off point, it will be defaulted as unpaid, resulting in unnecessary overdue. 3. Mortgage repayment should be made sooner rather than later, and cannot be saved. Banks are not responsible for causing bad credit information.