Today is the repayment date of my mortgage. Why don't you deduct my money? My bank card balance was sufficient and I didn't deduct it?

It may be caused by abnormal bank card or system failure or upgrade. Sometimes there will be problems with bank cards. In this case, the lender needs to go to the bank for feedback in time. If the bank recognizes your problem, it is ok to wait until the problem is solved.

1. If it is due to system failure or upgrade, the repayment person only needs to transfer the money to the card on the same day, and the bank will still deduct the money after solving the problem, and the repayment person is not required to bear this responsibility. Therefore, if buyers find that there is no deduction on the repayment date, they should pay attention to analyzing their own situation and then solve it.

2. Solution to overdue mortgage: apply for deferred repayment. Assuming that the buyer cannot repay the loan on time due to unexpected events, he can apply to the lender for extension 30 days in advance. After verification, the bank will appropriately extend the mortgage term and reduce the monthly payment. At present, there are also many bank mortgages that can be applied for. When the borrower fails to repay the loan on time, he can explain the situation to the bank first, and then apply for deferred repayment. The extension period can be decided by the borrower, but there is a long time limit, and the extension can only be applied once or twice.

3. If you are really worried that you can consult the bank, generally speaking, the slow system deduction will not affect the credit information. There are also special cases where there is something wrong with the system. Although there is money on the repayment card, it is overdue. In this case, it is best to inform the account manager who handles the bank loan for you first to avoid overdue.

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If there is no deduction on the repayment date of the mortgage, the user can wait for the system to initiate deduction again on the repayment date. Generally, the system will initiate multiple deductions on the repayment date, and the user only needs to ensure that there are enough funds in the repayment bank card for repayment. It should be noted that the time for automatic mortgage deduction is not fixed. No charge will be initiated in the morning, and the system will charge at noon, afternoon or evening. On the day when the user determines the repayment date of the mortgage, the system will only initiate the deduction. After missing this deduction, the user can contact the mortgage bank to choose to take the initiative to repay.