Received a repayment text message but never borrowed money.

Why did I receive a repayment message when I clearly didn't have a loan?

If the mobile phone often receives loan information, it is probably because:

1. If the user has borrowed money from the loan platform before, even if the loan is settled, personal information will be left on the loan platform, and the loan platform may send a loan invitation message for a new performance source;

2. If the user has never made a loan, it may be official website. He has entered some loan platforms to consult information before and is considered as a potential customer, so the loan platform will also send a loan invitation message;

3. It may be that the user's personal information is inadvertently leaked, and the loan platform will send a loan invitation message to expand the business after obtaining the user information; Or the user's personal information is stolen by others to borrow money.

Factors affecting the success of the loan:

1, even three times six

"Three consecutive years and six consecutive years" is a combination of "three consecutive years" and "six consecutive years". Generally speaking, "three consecutive months" refers to overdue repayment, and "six consecutive years" refers to six overdue repayments in a year.

If there is a situation of "three consecutive times", it means that your personal credit report is extremely bad, and the bank will judge the individual as having a very bad impression. Then, there is a great risk that the borrower's loan and credit card application will be rejected.

2. Late payment

Overdue, especially never overdue, and the record will always exist as long as there is no repayment. The overdue record of the credit card is recorded in the credit information. Therefore, those who have never paid back their credit cards show that their personal credit information is poor, so their personal mortgage loans will be rejected by banks. Therefore, we must pay attention to keeping personal credit information good at ordinary times and don't discredit our credit information.

Why do you receive repayment information without a loan?

If you don't have a loan, but you receive the repayment information, it may be that the lending institution sent the wrong text message, or someone else left the user's mobile phone number by mistake when applying for a loan. The first case can be ignored, because this kind of short message is generally sent in groups, and users can directly block it.

The latter user can contact the lending institution and tell the lending institution that others have left their mobile phone numbers. As long as the lending institution deletes the user's mobile phone number information, subsequent users will not receive this information.

Bank loan refers to an economic behavior in which banks distribute funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit.

Bank loans generally require guarantees, house mortgages, income certificates and good personal credit information to apply.

Credit conditions

1, credit line

The credit line is the maximum amount that the borrower is allowed to borrow in the agreement between the borrower and the bank.

2. Revolving credit agreement

Revolving credit agreement is a loan agreement that banks promise to provide enterprises with no more than a certain maximum amount according to law.

3. Compensatory balance

The compensatory balance is the minimum deposit balance that the bank requires the borrower to keep in the bank according to the loan limit or a certain proportion of the actual loan amount (generally 10% to 20%).

Mortgage loan, also known as house mortgage loan. Mortgage means that the buyer fills in an application for mortgage loan to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to issue loans to the buyer after passing the examination, and handle real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.

How to repay the loan more economically?

Compared with the two repayment methods, in the case of full repayment, the interest paid by "equal principal and interest repayment method" is higher than that paid by "average capital repayment method".

But not everyone should choose the "average capital repayment method" to repay the loan, but also combine their own financial situation.

For people with high salary and diversified income, the "average capital repayment method" can be adopted;

If the cash strength is relatively strong, but there is no willingness to repay the loan in advance, the "average capital repayment method" can be used to repay the loan. As time goes on, the repayment of each installment will gradually decrease. Although this repayment method has a great pressure on funds in the early stage, it can alleviate the pressure in the future.

If you are a civil servant, an ordinary teacher or a general researcher, or if you have a stable job or want a simple life, it is recommended to choose the repayment method of equal principal and interest, because this repayment method is conducive to better arranging your life in advance.

In addition, please remember that if you want to repay the loan in advance, the interest paid is non-refundable. If you want a friend who has the intention to repay the loan in advance, you should comprehensively consider the amount of principal and interest that needs to be repaid in one lump sum, and then choose the "average capital repayment method" or "equal principal and interest repayment method".

In addition, friends who want to repay the loan in advance should also consider the opportunity cost of repaying the loan in advance.

If I haven't borrowed money in Hui Jin, how can I receive the information about Hui Jin's arrears?

I received the repayment text message but didn't borrow the money, which may be caused by an error when the system sent the text message uniformly. As long as the user confirms that he has not applied for a loan, this repayment message can be ignored directly. It is not excluded that the user's previous number is used to apply for a loan, but the loan is repaid by the borrower, not by the number owner. If you often receive such short messages, users can contact the operator to see if the operator can refresh the status of the number and help solve such problems.