What should I do if I want to change the repayment date of the mortgage?

Under normal circumstances, the repayment date of the mortgage cannot be changed, because the repayment date of the mortgage is based on the lending date, that is, the loan begins to bear interest, so the date cannot be adjusted. If you need to change the time for some reason, you can communicate with the bank in advance to apply, and then the bank will pass. If the bank fails to pass the audit, you can't change it. You must repay it on time. However, prepayment can change the time of mortgage term. In the process of mortgage repayment, the lender can shorten the repayment period by partial repayment.

What date is the mortgage usually paid back every month?

The repayment time of mortgage is not fixed and needs to be determined according to the policies of different banks. Some banks have specified the specific repayment time, while others are determined according to the borrower's mortgage time. Details are as follows:

1. Generally, the mortgage is repaid in the middle or the end of each month. Some banks have specified specific repayment time, while others have no specific requirements. The borrower can choose the repayment time according to his own situation.

2. The repayment time of the mortgage is clearly stipulated when signing the loan contract, because most borrowers pay their wages around 10, so generally speaking, the repayment time of the mortgage is at the end of the month.

3. The repayment date of each bank mortgage is different, and the repayment date of each lender is determined according to the purchase date. For example, the repayment date of CCB is about 15 per month, while that of Postal Savings Bank is about the 20th of each month, and that of China Merchants Bank is before 15 per month, so the specific repayment date of the mortgage has to be calculated.

4. General mortgage loan needs to be decided through consultation according to everyone's actual situation. There is no uniform standard for every bank, but there are generally two situations, one is repayment in the current month and the other is repayment in the next month.