I haven t borrowed it, what should I do, will it be automatically deducted?

I haven't borrowed it yet, what should I do? Will the payment be automatically deducted?

You'll want to see if you have this amount in your spending history. For specific matters, you still have to call ** to consult the bank or Yealink Bank's customer service. So you'll quickly know what's the problem?

First of all, do you have that ICBC card, the card that appears at the end of the text message, if you have it, then you have to ** the Yealink Bank to inquire and consult customer service to see what the situation is and the reason, if you don't have that bank card, it may be that your mobile phone number has been used by someone before to bind this mobile phone card.

If it is not the time for automatic deduction, the system will naturally deduct the money when the deduction time comes, and there is no need to deal with it additionally. However, if the deduction time has passed and the system still does not initiate an automatic deduction, please take the initiative to contact the lending institution and choose to repay the loan. The customer service of the lending institution will provide a repayment account, and the user will be considered successful when the money is transferred to the repayment account.

Extended Materials

Common sense in interest calculation.

1) The interest rate conversion formula for RMB business is (Note: common for deposits and loans).

1.Daily interest rate (0 000) = annual interest rate.

360 = monthly interest rate.

2.Monthly interest rate ( ) Annual interest rate (%)12

2) Banks may calculate interest by using the accumulation method and the case-by-case interest calculation method.

1.The accumulation method is based on the actual number of days to accumulate the account balance on a daily basis, and the interest is calculated by multiplying the accumulated accumulation by the daily interest rate. The formula for calculating interest is:

Interest = Cumulative Interest-bearing Accumulation Daily interest rate, where Cumulative Interest-bearing Accumulation = Total Daily Balance.

2.The case-by-case interest calculation method is based on a pre-determined interest-bearing formula Interest = Principal.

Interest Rate Interest is calculated on a case-by-case basis over the term of the loan, specifically in three ways:

If the interest-bearing period is a whole year (month), the interest-bearing formula is:

Interest = Principal Year (month) number Year (month) interest rate.

If the interest-bearing period has a whole year (month) and a fractional number of days, the interest-bearing formula is:

Interest = Principal Year (month) number Year (month) interest rate + principal Fractional days Daily interest rate.

At the same time, the bank can choose to convert the interest-bearing period into the actual number of days to calculate the interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the month, and the interest calculation formula is:

Interest = Principal Actual Days Daily Interest Rate.

The three formulas are essentially the same, but since the interest rate conversion is only 360 days a year, the result will be slightly different when the daily interest rate is actually calculated, and the result will be slightly biased. The specific formula used to calculate the central bank.

Financial institutions are given the right to make their own choices. Therefore, the parties and the financial institution can agree in the contract in this regard.

3) Compound interest. Compound interest means that interest is added to the interest at a certain interest rate. According to the regulations of the central bank, if the borrower fails to repay the interest within the time agreed in the contract, compound interest will be added.

4) Penalty interest: The lender fails to repay the bank loan within the prescribed period.

The penalty interest imposed by the bank on the defaulter according to the contract signed with the parties is called the bank penalty interest.

5) Liquidated damages for overdue loans.

The nature is the same as the penalty interest, and it is a punitive measure for the party who breaches the contract.

Are you talking about mortgages? The mortgage is not automatically deducted when the repayment date is reached, which is likely to be caused by the following reasons: 1. There is no balance in the repayment bank card or the balance is insufficient, and the bank system will naturally not be able to deduct the payment.

2. The status of the repayment bank card is abnormal, such as freezing, loss reporting, expiration, etc., so the banking system will naturally not be able to deduct the money successfully. 3. The banking system is sometimes upgraded or fails, and when the banking system is upgraded or fails, it may not be possible to deduct the money according to the normal process. Precautions for early repayment of housing loans1, consult in advance and ask people who want to repay the mortgage in advance, they need to meet the repayment for more than half a year, and some individual banks even require that they have been repaid for more than one year.

Banks generally require borrowers to submit written or ** applications 15 working days in advance, and after the bank gets the borrower's application for early repayment, it needs to start approval, which generally takes about a month. In addition, different banks have different requirements for prepayment, some banks stipulate that if the loan is repaid early, the repayment amount needs to be an integer multiple of 10,000, and some banks need to charge a certain amount of liquidated damages. 2. It should be noted that although the bank allows the borrower to repay the mortgage in advance, it is not possible to repay it if he wants to, and the general borrower needs to apply in advance, and the repayment procedures can only be handled after the approval is passed, and the bank has regulations on the application time in advance, which the borrower understands clearly before repayment.

3. Liquidated damages for early repayment of mortgage loans applied for in the bank, although the bank generously allows the applicant to repay the mortgage in advance, but if the personal mortgage application period is short and not yet one year has passed, most banks will charge a certain amount of liquidated damages. 4. The documents need to be prepared, if the borrower wants to repay the loan in advance, he should generally bring his ID card and loan contract to the bank for approval after ** or written application. If it is a borrower who has settled all the final payment, it is convenient for the borrower to deposit enough money to repay the loan in advance after the bank calculates the remaining loan amount.

If it is a customer and owner of the mortgage business, it is best to find a professional guarantee agency to do the notarization of entrustment, so as to avoid the risk that the owner will not buy after the owner repays the loan in advance, or the owner will increase the price after the customer uses the down payment to help the owner pay off the final payment.