Loan SMS content template

What information will I receive if the loan is successful?

If the loan is successful, you will receive the information.

A loan application must have a loan application form, which should fill in the lender's basic information, contact information, telephone number and emergency contact person. After the loan application is approved, the lender will receive the loan success message.

First, the reason why you will receive the information when the loan is successful.

Generally speaking, after the loan application is submitted, the loan application is approved, and the customer service of the lending institution will call the loan applicant. However, due to the large user base of loan application, all of them are notified by telephone, and the human resources are very large, which leads to low work efficiency and waste of resources. Therefore, the loan application will notify the loan applicant by SMS, telling the lender that the loan has been successful. If the loan application is not approved, the loan applicant will also receive a text message. This is the way that the lending institution tells the lender the final result of the loan application. With the continuous development of social informatization, this is a very convenient method, and SMS is an economical and practical channel. Most lending institutions notify lenders in this way. After receiving the information that the loan application was successful, the applicant can generally check the approval result in official website, or call the loan customer service phone to verify the loan result and confirm the authenticity of the received SMS.

Second, the template of the information you will receive when the loan is successful.

After the loan application is approved, the lending institution will notify the loan applicant by SMS, because each lending institution or bank has its own fixed information template, so the SMS of successful loan application will be different for different lending institutions or banks, but the SMS content will include some basic information such as the lender's name, loan amount and effective time of the loan. Short messages may also include the name of the lending institution, approval, loan term, repayment date and other words, and some short messages may also be accompanied by links. After the loan application is successful, the approximate version of the text message received by the loan applicant is as follows: Dear xxx, the xxx loan (application submission date) submitted by xxx has passed the examination, and the xxx bank account has successfully received xxx yuan. Please withdraw it in time and repay it on time.

Three. Matters needing attention in successfully receiving loan information

After receiving the loan success information, if you want to verify whether the short message is true, you can log in to the lending institution official website, or call the customer service phone of the lending institution to confirm the loan result, or you can directly go to the lending institution for consultation and verification. If you haven't submitted a loan application, but you have received the information that the loan is successful, you should be vigilant. Don't reply or dial the phone number on the text message at will, and you can't click on the link on the text message at will. Be careful not to receive text messages to avoid unnecessary property losses. If you don't apply for a loan but receive the information that the loan is successful, the safest way is to ignore it and don't fall into the trap of a liar because of greed and cheapness. Sometimes the short message sent by the lending institution is not necessarily the information of loan success, or it may be that the applicant has submitted a loan application to this lending institution before, but the application failed for some reasons, and the lending institution will also push some advertisements to users from time to time. Users should pay attention to discrimination, and users can also set harassment interception to stop receiving this promotional advertisement.

All of the above are my personal views and views on the information I will receive after I successfully apply for a loan. If the loan application is successful, information will be received, and the lending institution will notify the lender by SMS. As for the authenticity of short messages, users should inquire through formal channels.

What is the short message of CCB loan?

1, 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 XXXX CCB will be debited 20 1X years ago, and the repayment amount is 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. Supplementary information 20 12 On June 8th, the People's Bank of China decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions from June 8th, 20 12. The benchmark one-year deposit and loan interest rate of financial institutions [2] was lowered by 0.25 percentage points respectively, and the deposit and loan interest rate of housing provident fund was also lowered simultaneously.

On July 6th, 20 1 1, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from July 7th, 201/. The benchmark interest rates of one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the deposit and loan interest rates of housing provident fund were also raised simultaneously.

On April 5th, 20 1 1, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from April 6th, 201/. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively.

On February 8, 20 1 1, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from February 9, 201/. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the benchmark interest rates for other grades of deposits and loans were adjusted accordingly.

2010 65438+On February 25th, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from February 26th. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the benchmark interest rates for other grades of deposits and loans were adjusted accordingly.

201019 from 201010, the benchmark interest rate of RMB deposits and loans of financial institutions will be raised. The benchmark interest rate for one-year deposits of financial institutions was raised by 0.25 percentage points, from the current 2.25% to 2.50%; The benchmark interest rate for one-year loans was raised by 0.25 percentage points, from the current 5.3 1% to 5.56%; The benchmark interest rates for other grades of deposits and loans will be adjusted accordingly.

165438+2008127 October, starting from 2008127 October, the benchmark interest rate for one-year RMB deposits and loans of financial institutions will be lowered by10.08 percentage point, and the benchmark interest rates for deposits and loans of other maturities will be adjusted accordingly. At the same time, the central bank's refinancing and rediscount rates will be lowered.

On June 29, 2008, from June 30, 2008, the one-year deposit benchmark interest rate was lowered from the current 3.87% to 3.60%, down by 0.27 percentage point; The benchmark interest rate for one-year loans was lowered from the current 6.93% to 6.66%, down by 0.27 percentage points; The benchmark interest rates for other grades of deposits and loans will be adjusted accordingly. The interest rate of individual housing provident fund loans remains unchanged.

On June 8th, 2008, 65438+20081October 9th, the benchmark interest rates for one-year RMB deposits and loans were lowered by 0.27 percentage points each; From June 5438+ 10 to June 5438+May 2008, the RMB deposit reserve ratio of deposit-taking financial institutions was lowered by 0.5 percentage point.

September 15, 2008 From September 16, 2008, the benchmark interest rate for one-year RMB loans was lowered by 0.27 percentage points; From September 25th, 2008, the RMB deposit reserve ratio of deposit-taking financial institutions will be lowered by 1 percentage point.

On February 20, 2007, the benchmark interest rate for one-year deposits was raised by 0.27 percentage points; The benchmark interest rate for one-year loans was raised by 0. 18 percentage points.

On September 15, 2007, the benchmark interest rate of RMB deposits and loans of financial institutions was raised by 0.27 percentage points.

On August 22, 2007, the benchmark interest rate of RMB deposits and loans of financial institutions was raised by 0.27 percentage points.

On July 20, 2007, the benchmark interest rate of RMB deposits and loans of financial institutions was raised by 0.27 percentage points.

In May 2007 19, the benchmark interest rate for one-year deposits was raised by 0.27 percentage points; The benchmark interest rate for one-year loans was raised by 0. 18 percentage points.

On March 8, 2007, the benchmark interest rate of RMB deposits and loans of financial institutions was raised by 0.27 percentage points.

On August 9, 2006, the benchmark interest rate for one-year deposits and loans was raised by 0.27%.

On April 28th, 2006, the loan interest rate of financial institutions was raised by 0.27% to 5.85%.

On March 17, 2005, the interest rate of housing loan was raised.

On June 29, 2004 10, the one-year deposit and loan interest rates were all raised by 0.27%.

In July 1993, 1 1, the one-year time deposit interest rate was raised from 9. 18% to 10.98%.

1May 1993 65438+1May 1993, the annual interest rate of time deposits of all grades increased by 2. 18% on average, and the interest rates of various loans increased by 0.82% on average.

What information will I receive if the loan is successful? Pay attention to the identification of authenticity!

Modern social and economic pressure, many people will have financial problems, most people will seek the help of lending institutions when they are short of money, as long as personal information is authenticated, they can get loans quickly. Generally speaking, after the bank loan is approved, the customer service will call to remind you, but the online loan will not call, and often send a message to inform the borrower.

1. What information will I receive if the loan is successful?

Because the user base of online lending is relatively large, it is impossible for lending institutions to make phone calls one by one, and after the loan is approved, borrowers need to know the audit results in time, so SMS is an economical and practical channel.

After the loan is successful, the borrower will generally receive such a reminder message: Dear xxx, your xxx loan has passed the examination, and you have successfully received xxx yuan. Please withdraw it in time and repay it on time. The information template of each organization is different. Basically, the name of the loan is reviewed and the loan amount and repayment date are warmly reminded. This information is arranged in groups, and some of them are accompanied by links.

Second, the loan information matters needing attention

1. Receiving a text message from a lending institution may not necessarily result in a successful loan. Maybe I applied, but it didn't work. The organization will push some advertisements to users from time to time. You can log in to the APP and check it again.

2. It is not recommended to click on the internal link attached to the information, because most people can't identify whether it is formal or not, and some may be routine loans or virus links.

3. If you receive a reminder of the success of the loan, the best way is to log in to the online loan platform to check the audit status. If the display is successful, it means that it is really over and can be withdrawn.

Construction Bank Loan Repayment SMS

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.