Recently, some of the building bank's mortgage clients had encountered problems with the time available to repay the mortgage, but the account had not been deducted. Many were very concerned about the situation of arrears, while others questioned it as a deliberate delay by the banks. So, what's with the building loan still at 12 pm

The building loan hasn't been closed till 12 pm

First, it needs to be made clear that the time at which the mortgage is withheld varies from bank to bank. Some banks will deduct at 7 p.m., others at around 10 p.m. The building bank's mortgage deduction took place at around 23:30 on the same day. Therefore, if the client was on the right track to repay the amount before that time, there would be a risk that the deduction would not have been made。

Second, the repayment date is a fixed date of each month, but the time of deduction is uncertain. Since banks are required to process large amounts of customer repayments, the timing of the deduction will vary according to the circumstances. In particular, before and after holidays, the time of the bank's withholding will become more volatile. As a result, special attention is required if the client repays the payment before or after the holiday。

Moreover, repayments were not immediately successful. Banks need some processing, such as checking whether repayment accounts are consistent with loan accounts, and whether repayment amounts are correct. If an anomaly is detected during the inspection, the bank needs to be further verified and processed. This process may take some time and is therefore a cause of delays in deductions。

Finally, the client ' s own reasons may also lead to problems in the repayment of mortgages. The lack of balance on bank cards, unusual repayment accounts, etc., may result in construction mortgages remaining at 12 p.m。

In the light of the above, it is not surprising that the building bank has not been closed until 12 p.m. This may occur in many banks and clients need to wait patiently to avoid unnecessary trouble. At the same time, clients need to be well prepared before repayments are made to ensure that there are no obstacles affecting the deduction。