On the afternoon of 20th 17:00, I asked the guarantee balance to be deducted in full. Who knows that Alipay 15:00 automatically deducted a repayment?

Due to the large stock of personal housing loans and the long time span of system deduction, in order to avoid affecting the credit record of customers, the repayment person should deposit enough money to repay the current loan principal and interest before the repayment date 17:00 in accordance with the agreement in the Personal Housing Guarantee Loan Contract. If the funds in the repayment account are insufficient to pay off the current loan principal and interest, it is overdue in principle. Please consult the loan bank for details.

For example, if the 20th of each month is the repayment date agreed in the contract, the current loan principal and interest should be deposited into the repayment account before 20th of that month 17:00. (If the principal and interest of the current loan are deposited into the repayment account on the 20th, and the repayment time is late, the system may not deduct the money. )

After the loan is paid off, the system will automatically deduct the money on the repayment date. Under normal circumstances, the Head Office will shut down before 2 1 p.m., and the system will not deduct money after shutdown.

After the deduction fails on the repayment date, the deduction will continue on the next day and the end of the next day (some branches have the smallest deduction, such as 500 yuan) until the overdue installment arrears are deducted.