China Ping 'an Loan SMS

Credit loan template

The loan template is: xx organization congratulates you on obtaining the qualification of xx yuan/second loan, which will be reviewed quickly and received in two hours. Poke XX to unsubscribe back to T

However, there are strict restrictions on the loan content, and you can send it here under the guidance of the customer service staff of the second SMS platform.

Dear customers of Ping An Bank, according to our comprehensive evaluation, you can get a pre-trial reserve of 218, yuan, which can be repaid with the loan. Is it true?

Ping An Bank usually sends text messages to invite users.

in bank loans, the similarities between individual housing guarantee loans and housing mortgage loans are * * *

1) Generally, the borrower's deposit in the bank should reach more than 3% of the total purchase price, which will be used as a reserve payment for the purchase and construction of housing.

2) The borrower must have the ability to repay the loan principal and interest.

3) Have documents such as contracts or agreements for purchasing houses.

Extended information

From the classification, housing secured loans can be divided into mortgage loans, secured loans and mortgage (pledge) secured loans. Housing mortgage loan is only similar to mortgage loan in secured loan, which can be divided into two types according to whether the house is completed or not: existing mortgage loan and uncompleted mortgage loan.

from the perspective of loan investment, secured loans are mostly used to buy existing houses, while fewer are used to buy faster houses. And mortgage loans are mostly used to buy faster houses, and less to buy existing houses.

from the perspective of collateral, the collateral or pledge of housing secured loan includes the purchased house, other real estate of the lender or guarantor, marketable securities, gold jewelry, etc. The latter can only use the purchased house or uncompleted flats as collateral, and at the same time, it needs the real estate business as a guarantee or commitment to buy back the mortgage right from the bank when the property buyers can't repay the loan as scheduled.

from the perspective of guarantee, when determining mortgage guarantee, collateral exists objectively, and mortgage and guarantee can be used separately; When setting mortgage guarantee, the mortgaged house may not be built yet, and mortgage and guarantee are usually used together.