Why is there no SMS prompt for postal mortgage?

Postal mortgage is a relatively favorable housing loan method in China, which is welcomed by the majority of property buyers. However, in the process of postal mortgage loan, many buyers are puzzled by why they have not received SMS reminders. In fact, there may be several reasons.

First of all, there are certain conditions for sending SMS tips for postal mortgage loans. According to the relevant national regulations, when a bank or a third-party payment institution sends a notice of large-sum transfer to a customer, it must "verify" the mobile phone number reserved with the customer in advance to ensure the timeliness, accuracy and reliability of the notice. In addition, the Postal Savings Bank will also conduct credit surveys, review the loan qualifications of customers and verify the identity information of lenders. These procedures are bound to increase the time-consuming of borrowing.

Secondly, the postal mortgage loan and real estate license filing are carried out simultaneously. This means that the lending time will not be carried out at the first time when the buyers apply, but will wait for the completion of the real estate license filing before lending. At this time, even if the property buyers have successfully applied for a loan, they will not receive a loan SMS reminder. Therefore, buyers need to wait patiently.

Finally, some property buyers may not be able to send SMS reminders in time because of the arrears of their mobile phones, changing their numbers or not updating their personal information in time. In order to avoid this situation, buyers need to ensure the authenticity and accuracy of personal information during the loan application process, and update their mobile phone numbers in time in order to receive the relevant notice of postal mortgage lending.

In a word, regarding the SMS prompt of postal mortgage loans, buyers need to make relevant preparations and understand according to their own situation to avoid unnecessary troubles. Although the postal mortgage loan may not be as fast and convenient as other banks, its preferential conditions and sound risk control mechanism are incomparable to other loan methods.