What materials are needed to change the mortgage repayment account?

The materials needed to change the repayment account of mortgage include:

1. Bring a new card, ID card, loan contract and other documents and materials needed by the bank.

2. the original house mortgage loan contract.

3. The original and photocopy of the Property Right Certificate of the house purchased by the lender.

process of changing mortgage repayment account

1. When the borrower applies for replacing the repayment bank card, he must first prepare the required information documents. These documents include the old and new bank cards to be replaced, the borrower's ID card, the original of the House Mortgage Loan Contract and the original of the Certificate of Real Estate Rights for the purchase of real estate (provided if available, not required if not available).

2. Go through the change procedures at the bank that applied for the house purchase loan. After the replacement, the borrower can use the new bank card immediately. Moreover, the money in the old bank card will also be transferred to the new bank card. However, the online banking of bank cards will not change automatically with the replacement of bank cards, and borrowers need to handle the online banking themselves.

3. After successfully replacing the repayment bank card, the borrower should remember to repay the loan on time to avoid overdue records and affect his personal credit information.

Can the date of mortgage repayment be changed?

The date of mortgage repayment cannot be changed. This is because the repayment date is based on the loan date, that is, the loan begins to bear interest, so the date cannot be adjusted. The repayment date was clearly marked in the purchase contract when the loan was made. When the lender goes through the mortgage loan formalities, the bank has already set the repayment date in the computer system, and the whole computer system can't be changed casually, and it will be chaotic.

generally, when repaying a loan, the bank will send a text message or call to tell the repayment amount and date. You can also call the bank's customer service hotline for enquiries. Generally, banks will also send electronic bills or mail bills to repayment customers with clear repayment dates.

what should be paid attention to in early repayment

1. Some banks have fixed-term requirements for early repayment, most of which are one year. If the buyer's loan period is less than one year, he may need to pay a certain amount of liquidated damages according to the contract. Therefore, those who repay the loan in advance need to know from the bank they are lending, whether they will default because of repaying the loan in advance.

2. Generally, banks will require lenders to submit written or telephone applications 15 working days in advance. It usually takes about one month for banks to examine and approve the lender's mortgage prepayment application after receiving it. Secondly, the borrower needs to bring his ID card and loan contract to the bank for examination and approval, and the specific materials to be prepared need to be consulted with the bank first.

3. If the borrower wants to repay the loan in advance, he/she will generally go through the examination and approval procedures with his/her ID card and loan contract at the bank after applying by phone or in writing. If it is a borrower who has settled all the balance, it is convenient for the borrower to deposit enough money to repay the loan in advance after the bank calculates the remaining loan amount. If it is a customer or owner of the sub-mortgage business, it is necessary to find a professional guarantee institution to do entrusted notarization.