How to cancel the SMS loan of CCB

Hello! What needs your attention is that this may be a short message, and scammers sometimes send it to you as bank staff. So I suggest you go to the bank counter or call the bank customer service first, and confirm with the staff first.

What is the short message of CCB loan?

When the funds in your debit account are insufficient, send a text message to your mobile phone five days in advance: Dear XXX, your loan account in CCB XXXX will be debited before 20 1X, and the repayment amount will be XXXX. Please deposit it into the debit account in time. [China Construction Bank] 95533 Send this for free, and it's ok after handling the loan. If you open the SMS reminder service, you will receive a short message after deduction: your account with the suffix XXXX will spend XXXX. 20 1X year XX month XX day XX yuan, the transaction is to recover the loan principal and interest. This is the charging service 95533 or/kloc-0 106XXXX95533 (the sending number varies from place to place). The format is as follows.

Relevant provisions of China Construction Bank on individual housing loans:

Repayment method: If the loan term is within 1 year (including 1 year), the repayment method of one-time repayment of principal and interest shall be implemented; If the loan term is greater than 1 year, the repayment method of equal principal and interest and average capital can be adopted.

Loan guarantee: mortgage, pledge, guarantee, mortgage plus phased guarantee, etc. , and can use one or more loan guarantees.

Materials to be submitted when applying for a loan:

(1) ID card;

(2) Proof of the borrower's repayment ability;

(3) Legal and effective purchase (construction or overhaul) contracts, agreements or (and) other approval documents;

(4) proof of down payment;

(5) loan guarantee materials;

(6) Other documents and materials required by the lending bank.

Treatment process

1. loan application: the customer fills in and submits the application form and application materials designated by CCB.

2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.

3. Loan approval: CCB conducts loan approval.

4. Signing a contract: After the customer's loan is approved, sign a loan contract with CCB.

5. Loan issuance: CCB will issue loans after meeting the requirements.

6. Customer repayment: the customer repays the loan on time as agreed.

7. loan settlement.

In the afternoon, I received a loan message from CCB. Does it mean that I will receive the loan soon?

For most property buyers, which bank to apply for mortgage, what is the mortgage interest rate, and which bank to lend better are all their own concerns. As one of the four major banks, CCB has always been very popular in the mortgage business. In the afternoon, I received a loan message from CCB. Does it mean that I will receive the loan soon?

In the afternoon, I received a loan message from CCB.

Under normal circumstances, the lending time of banks is around 3: 00 -6: 00 pm, and some banks lend money later and will lend money at 7: 00 or 8: 00 pm.

CCB, as one of the four major banks, in most cases will send a short message to the lender first, and the bank will lend money, so pay attention to check it in time. After receiving the loan notice, the lender can basically receive the house loan in the afternoon of the same day or the next afternoon. If the user receives a short message from CCB in the afternoon, it means that the mortgage he applied for will be released soon.

If you are a user whose mortgage has just been approved, don't worry. Generally speaking, the mortgage loan of CCB is generally approved within 15-30 working days. There are no specific regulations and time limits, mainly depending on whether the bank still has a free quota and the qualifications of the applicants in that month.

The day the user receives the loan is the time for monthly payment. Everyone must develop a good habit of borrowing money and repay it on time. The consequences of overdue mortgage are still serious. If the lender leads to loans overdue for some reasons, it will not only be contaminated with personal credit information, but also affect the application for credit business in the future.

The above is the related content sharing of "I received a loan message from CCB this afternoon". I hope it will help everyone!

Is it true that CCB has a good reputation and good credit loan news?

CCB has a good reputation, and the credit loan SMS is true. However, if you can get a loan, you still need to submit materials to see if the audit can pass. It's just an advertisement. Don't believe it too much.

China Construction Bank sent a text message to borrow 500,000 yuan in advance. Really?

It's true.

The pre-credit line will be different from the actual approved line, and the maximum loan can be 500,000.

Pre-credit refers to the loan amount estimated by financial institutions according to personal credit situation. It should be noted that because financial institutions do not fully grasp personal credit information and assets, the pre-credit line will be different from the actually approved credit line, which is usually exaggerated. Please refer to the actual audit results of the system.

Is it true that CCB sent a text message saying when the loan will expire? But mobile phone identification is CCB's.

If it is confirmed that it is a short message sent by CCB officials, it can be confirmed whether the loan maturity time is true. It is suggested that you can also check the loan maturity time through other channels (such as online banking and telephone customer service) to ensure the accuracy of the information. If in doubt, it is recommended to contact the bank customer service for confirmation in time.

The SMS of CCB can lend 700,000 yuan. What happened?

Fake.

This information is actually not a credit for the user, but an advertisement, similar to the advertisement when the mobile phone reads the information. It says that you have a loan line of 300,000 yuan, and the main purpose is to guide the user to click on it.

In fact, if they do, these banks need to re-check the credit status according to the actual situation of users. It's not true that you have to find it in short messages. These short messages are almost always a template, that is, to give a credit or a reserve fund, the amount is generally around 500,000, because others may not be interested in it if the number is small, but the number is more eye-catching.

So much for the introduction of CCB SMS loan.