Can the repayment date of mortgage be changed?

The date of mortgage repayment cannot be changed. Under normal circumstances, the repayment date of the mortgage is based on the date of lending, that is, the repayment date has been clearly marked in the purchase contract when the loan is made, and it cannot be changed at will. Repayment shall be made on the date agreed in the contract. Although the repayment date stipulated by the bank cannot be modified, if it is really necessary to change the repayment time, prepayment is also possible, as long as you apply for prepayment according to the bank regulations.

I. Characteristics of equal principal and interest repayment and equal principal repayment

1. Matching principal and interest repayment is characterized by the same principal and interest each month. Although this repayment method is easy to budget and the initial repayment pressure is reduced, the interest of initial repayment accounts for most of the monthly repayment, and the proportion of principal in repayment gradually increases and the proportion of interest gradually decreases, thus achieving a relative balance. The interest paid by this repayment method is high, but the pressure of prepayment is not great. This repayment method is suitable for ordinary wage earners.

2. The repayment method in average capital is characterized by the same amount of principal each month, and the interest is calculated on a daily basis according to the principal amount of the loan. The early repayment amount is large, and the monthly repayment amount is gradually reduced. The interest paid by this repayment method is low, but the pressure of prepayment is great. Therefore, this repayment method is suitable for families with better economic income.

Second, the mortgage query method

1. Telephone inquiry: Call the bank's 24-hour service hotline, select loan-mortgage according to the voice prompt, transfer to manual service, and inform the customer service to inquire about mortgage repayment. The customer service will ask the ID number and other information in the newspaper to verify the identity, and will tell them after confirmation, and send a text message if possible.

2. official website Inquiry: Go to the homepage of mortgage bank official website, enter the password of mortgage repayment account, and find the loan column-housing loan. On the page, you can display the monthly repayment of mortgage, such as repayment amount, repayment date, remaining loan, historical repayment record and overdue repayment record.

3. Inquiries about outlets: Generally, I need to personally bring my ID card and house purchase loan contract to the loan bank counter for inquiries. If it is inconvenient, you can entrust others to inquire, but you need to provide a power of attorney and the client's ID card. After the inquiry, I can also ask the staff to print out the details of mortgage repayment.