Received SMS notification of mortgage loan

1. Received SMS notification of mortgage loan.

Generally speaking, if the user receives the SMS notification of mortgage loan, he will generally lend money in the afternoon or after that day. Lenders should note that it is best not to apply for any other loans within three months to avoid increasing the personal debt ratio and let banks "lend" users.

For mortgage loans, the bank will inform you by SMS or telephone.

If it is a pure commercial loan bundle, the bank will lend directly if there is a quota. If it is a portfolio loan, it will also involve the amount of the provident fund center. This time more than

The speed of lending is also closely related to whether the local real estate market is hot or not. For example, many people buy houses, especially together. At this time, banks need to wait for more than half a year, which is also a year.

According to the normal situation, the commercial loan usually lasts about three months, and the provident fund is half.

After receiving the short message of mortgage loan, the customer only needs to wait for the bank to transfer the loan funds in the receiving bank card to the account designated by the real estate developer.

However, after the mortgage loan is transferred to the bank card under the customer's name, it will generally be transferred to the balance of the account designated by the developer immediately, and the mortgage will be completed. The repayment plan agreed in the contract loan contract can repay the mortgage principal and interest on time and in installments.

If the customer has paid the housing provident fund to repay the loan, the balance of the provident fund account is used to offset the mortgage (the corresponding amount is deducted from the provident fund account to repay the principal payable in the current month, and the balance of the provident fund account is deducted once a year to offset the principal payable).

If the customer has sufficient funds in the later period, he can also make early repayment (it usually takes one year to repay on schedule before he can apply for early repayment, otherwise he may have to pay a certain penalty). After the mortgage is paid off, the customer will go to the bank to open it, and then go to the Housing Authority to learn about the mortgage.

2. Will Ping An Pratt & Whitney be notified by SMS after successfully applying for a loan?

There will be SMS notification for bank mortgage lending, but whether it is SMS notification depends on the bank notification method. You can contact the bank mortgage business manager to confirm, and will specifically inform the borrower to inform the audit progress.

3. Received SMS notification of mortgage loan.

When banks handle mortgage loans or mortgage loans, the cycle is generally one month. If there are many bank lenders, the application time may be delayed to one and a half months or even two months.

Loan preparation materials: Lender's (husband and wife's) ID card, household registration book, marriage certificate, income certificate, bank account number, property right certificate and land certificate. If there is no problem with the lender's (husband and wife's) credit information, the bank will accept the loan.

After the information is submitted to the bank, the bank's risk control will call back, usually the company's landline or personal phone.

Approval is usually completed within 3 working days after telephone call back. After the approval, the bank will call you and tell you when to go to the Housing Authority for mortgage registration. After the mortgage is completed, the bank will issue the loan to your receipt card within 2 working days.

4. What should I do after receiving the SMS notification of mortgage loan? These things need to be prepared in advance!

First of all, answer directly.

Pay attention to these matters after lending.

Second, the specific analysis

1. Don't apply for other loans immediately.

After the loan, the bank will also manage the borrower after the loan. If the borrower applies for refinancing immediately after paying the loan, it will lead to a sharp increase in the debt ratio on credit reporting, and the bank will doubt the borrower's repayment ability, and in serious cases, it will recover the loan.

2. You can't use loan funds at will.

Any loan funds are clearly used, such as car loan funds can only be used to buy a car, and mortgage funds can only be used to buy a house.

Borrowers applying for consumer loans can only be used for consumption, and may not be used for investment, wealth management, repayment of other loans, purchase of stocks, down payment on house purchase, etc.

Are illegal.

Once the bank finds that the borrower abuses the funds, it is likely to lend the money directly, or it may require the borrower to repay all the loan funds immediately.

3. Pay attention to the repayment time

Generally speaking, a day's delay in the date of bank lending is the repayment date.

The borrower must keep in mind his repayment date and prepare sufficient repayment funds in the repayment card three days before the repayment date.

Otherwise, once it is overdue, the consequences will be very serious.

In order to maintain a good credit record, we should also pay attention to our online loan big data in time. This can be done by querying in Winnie Hsin and clicking Query to see our own online loan big data report, so as to maintain good credit at all times.

Will the bank inform me of the loan?

Under normal circumstances, banks will send text messages to remind borrowers to pay attention to the check before lending.

If the borrower does not receive the loan text message for some reason, there is no need to panic. If it is a large loan, the manager will also inform the borrower of the upcoming loan in advance.

If the borrower applies for a mortgage, then the borrower needs to go to the bank to sign when lending the mortgage.

The borrower does not sign to prove that the loan contract has no legal effect and the loan is invalid.

It is illegal for a bank to lend money without the borrower's signature.

If because of the bank, the bank did not inform the borrower after lending, and finally the mortgage was overdue.

This is the bank's own fault, not the borrower's. The borrower can directly find the bank, inform the situation, and then pay off the overdue amount.

If the bank fails to report the overdue situation, the borrower can discuss with the bank not to report the overdue situation.

If the bank has reported the overdue situation, the borrower can also ask the bank to issue a non-malicious overdue certificate, and then go to the Credit Information Center of the People's Bank of China to correct the overdue record.