Do you send text messages with bank loans?

The mortgage lender will inform me. Usually, after lending, the bank will send a text message to inform the borrower that the loan has been completed. Under normal circumstances, you can receive a loan text message on the same day. It should be noted that after the mortgage loan is issued, the borrower will start repayment as agreed, and overdue repayment will affect personal credit.

Personal housing loan refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. Personal housing loan business is one of the main asset businesses of commercial banks. Refers to the loan issued by a commercial bank to a borrower for the first time to purchase a house (that is, a house developed and built by a real estate developer or other qualified developers and sold to an individual).

Personal housing loans mainly have the following three loan forms:

(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.

(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.

(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

Potential borrower

The loan object should be a natural person with full capacity for civil conduct. The borrower shall meet the following conditions:

1. Have permanent residence or valid residence status in cities and towns;

Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest;

Three, with the purchase of housing contracts or agreements;

Four, do not enjoy the purchase subsidy to not less than 30% of the total price of the purchased house as the down payment; 30% of individuals who enjoy housing subsidies are down payment for housing purchases;

Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors;

6. Other conditions stipulated by the lender.

Will the bank inform you when the loan is made?

The bank will notify the lender after issuing the loan, and the notification method shall be stipulated by the bank itself.

According to Article 32 of the General Rules for Loans, the loan has been repaid. The borrower shall repay the loan principal and interest in full and on time in accordance with the provisions of the loan contract. The lender shall issue a notice of repayment of principal and interest to the borrower before the short-term loan expires 1 week and the medium-and long-term loan expires 1 month; The borrower shall prepare funds in time and repay the principal and interest on schedule.

The lender shall promptly issue a notice of overdue loan collection, and do a good job of overdue loan principal and interest collection. Lenders charge interest on loans that cannot be repaid within the time limit stipulated in the loan contract; If the principal and interest cannot be repaid or executed, it shall be urged to repay or bring a lawsuit. The borrower shall negotiate with the lender when repaying the loan in advance.

Article 45 A lender may conclude a written agreement with a borrower. If the borrower fails to repay the principal and interest on time, the lender may deduct the loan principal and interest from the account opened by the borrower in the lender's business institution and notify the borrower in time.

Extended data:

Article 22 Lenders' rights in the general principles of loans. To independently review and decide on loans according to loan conditions and loan procedures, and have the right to refuse any unit or individual to force them to issue loans or provide guarantees, except for specific loans approved by the State Council.

1. Ask the borrower to provide information related to the loan;

Two, according to the borrower's conditions, decide whether to loan, loan amount, duration and interest rate;

Three, understand the borrower's production and business activities and financial activities;

Four, according to the contract from the borrower's account to collect the loan principal and interest;

Five, the borrower fails to perform the obligations stipulated in the loan contract, the lender has the right to require the borrower to repay the loan in advance or stop paying the loan not used according to the contract;

Six, in the loan will suffer or have suffered losses, according to the provisions of the contract, take measures to make the loan from losses.

Baidu encyclopedia-general rules for loans

Will the Postal Savings Bank notify the seller by SMS?

Users apply for loans from Postal Savings Bank. After the loan is successful, the Postal Savings Bank will send a text message to inform the user. Users will receive a short message from the Postal Savings Bank if they pass the loan review and successfully lend money. However, if you apply for online loan, the success of the final loan depends on the arrival of loan funds. SMS will only serve as a notification, and loan funds may not be successfully obtained after receiving SMS.

Bank loan. When did you receive the message?

; ? Buying a house by loan has always been the only choice for most people to buy a house. Although the country introduces some mortgage policies every year to control the growth of housing prices, in some cities with better economic development, buying a house in full is still an option that many people can't do. A friend consulted and got a bank loan. When did you receive the message?

Bank loan. When did you receive the message?

Generally speaking, the bank will notify the lender before lending, and the house payment will be received. Most banks will send loan text messages from 3 pm to 6 pm, and then transfer the money to the developer's account on the same day or the next afternoon.

If the lender finds that the bank has lent money, but has not received the news of lending. Probably because the bank informed the lender by telephone and other means. Now that the lender has been notified by other means that the mortgage payment has arrived, the bank does not need to notify the lender by SMS.

In general, the bank will complete the loan within 15 working days after the lender's mortgage is approved. If the lender can't get a bank loan, it may be because the holiday is long and the bank loan amount is tight. Lenders can call bank customer service for details.

If banks need to readjust their mortgage business according to the new mortgage policy promulgated by the state, lenders may have to wait longer. If the lender's personal credit report has loan records such as consumer loans, the bank will also delay the loan.

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