What should I do if the bank is not open during the lockdown and the mortgage loan is not deducted?

Make sure the balance of the mortgage card is sufficient

The bank automatically deducts the mortgage every month, but if the money in the bank card is not enough to repay the loan, the bank will not deduct the mortgage. So first check whether you have enough money in your card. The editor here recommends that you save two months of mortgage payments at once, so as to avoid forgetting to transfer money.

Whether the text message reminder has been intercepted

The mobile phone can be set to automatically intercept spam text messages, so if you find that you have not received the text message, it is best to check whether it has been intercepted by the phone. In the spam text message Take a look.

Delayed bank deductions

Although banks will deduct funds within a fixed period every month, there will occasionally be certain delays. Of course, if we are worried about the impact on us , you can contact the bank first.

Delayed text message for debiting money

Although the money in the mortgage card was deducted, no text message notification was received. The answer obtained by consulting the bank was that the text message for debit was Delayed, sometimes notified until the next day.

First loan deduction

The first repayment date of a mortgage is the day when we officially start the loan, but there will be a certain error in this, and it is possible that the loan information, etc. will be second. Genius takes effect, don’t worry about this situation.

Is it an impression of credit?

People are more concerned about the reason for not debiting money or fearing that it will affect their credit standing in the bank. Generally speaking, as long as there is enough money in the card, there will be no problem. Of course If you are worried, you can consult the bank’s customer service to find out the situation.