The answer is as follows: How can China Construction Bank repay the mortgage after the automatic deduction time?

After buying a house with a CCB loan, you can repay it on a monthly basis. There will be an agreed repayment date, usually around the 20th of each month. On the repayment date, the system will automatically deduct the money. Lenders need to pay attention to whether the system deducts money successfully. If you miss the automatic deduction time, you need to remedy it in time.

How can China Construction Bank repay the mortgage after the automatic deduction time?

Loans overdue or did not sign the entrusted deduction agreement, China Construction Bank can repay fast loans or personal housing loans (except provident fund loans) through mobile banking. If the current loan has been voluntarily repaid through mobile banking and personal online banking of China Construction Bank, the system will not initiate entrusted deduction for the current loan.

Generally, the repayment date of mortgage is deducted twice. If the first deduction fails, there will be a short message prompt. At this time, the lender will deposit the funds into the deduction account as soon as possible, and the system will make up the deduction again. If the deduction is unsuccessful or the repayment cannot be made in time, please contact the loan handling bank for verification and handling during working hours, so as to avoid penalty interest and affect your personal credit record.

China Construction Bank failed to deduct the mortgage:

1 reason/impact: insufficient balance of the agreed deduction account and abnormal account status will lead to the failure of deduction on the loan deduction date. Failure to repay on time may result in penalty interest and affect personal credit record.

2 solution: deposit the funds into the loan deduction account as soon as possible and observe whether it is deducted.

If the loan repayment prompts that the deduction is on the way, it is because the lender has set up an automatic deduction account, and the system will generate an automatic deduction file one night before the loan expires, and complete the automatic deduction in the early morning of the repayment date. Because the deduction is on the way, the system does not support active repayment. Please keep the balance of the repayment account associated with the loan sufficient, and verify the repayment of the loan the next day to avoid repeated repayment.

The official reminder of China Construction Bank: If the mortgage repayer misses the repayment date and takes the initiative to repay on or after the repayment date, it is recommended to operate between 4: 00 am-18: 30 am. If the application for repayment is still unsuccessful, it is recommended to consult the staff of the handling bank.