Will there be information notice for the next mortgage repayment?

After the mortgage loan is successful, the user will be notified by SMS, so that the user can repay the loan according to the mortgage contract. Of course, if you haven't received any payment information for a long time, please take the initiative to contact the loan bank. It is not excluded that the bank did not send a short message to inform the user, then the user would not know whether there was a loan. In addition, users can also take the initiative to call the customer service hotline of the loan bank. Except in special circumstances, the time for lending is generally not long.

What influences the lending behavior?

1. Generally speaking, banks have regulations that applicants cannot apply for loans if their credit cards and loans are overdue for three consecutive times or six times in total. Even if your overdue amount is not large and the number of times is not many, it is possible to reduce your loan amount, especially during the tightening of credit policy, the bank's credit review of lenders has become more stringent, so whether you buy a house or not, you should develop the habit of repaying in full and on time.

2. If the buyer fails to repay the loan within the time limit, it will affect the buyer's credit, and the loan is very difficult.

3. There are arrears and taxes in the public information, which also has an impact on the credit investigation of housing loans. Some cities will also record the overdue payment of public utility fees in their credit reports. If the applicant owes water, electricity, gas, mobile phone communication fees, etc. , and recorded in the credit report, serious may be rejected by the bank, may also require property buyers to increase the down payment ratio, may also increase the loan interest rate and reduce the loan amount.

What are the ways to repay the mortgage?

1, fixed interest rate repayment. The biggest advantage of fixed-rate mortgage is that the interest rate does not change with prices or other factors, but the fixed interest rate is often higher than the benchmark interest rate by a certain percentage point, because this is the risk of interest rate increase locked by the borrower in advance. Equal principal repayment. With the repayment method of average capital, when the borrower starts to repay the loan, the monthly burden will be greater. However, as the repayment time goes on, the repayment burden will be gradually reduced, and the final total interest expenditure will be lower.

2. Equal repayment of principal and interest. Repay the mortgage by matching the principal and interest, and the borrower's monthly payment will remain unchanged. It is convenient for borrowers to arrange income and expenditure because they bear the same amount every month.

3. Free repayment of provident fund. Free repayment is a unique repayment method for provident fund loans. Compared with the traditional repayment of equal principal and interest or equal principal, the free repayment of provident fund is more flexible.