Did you receive the loan text message and really lend money?

Received SMS notification of mortgage loan

Generally speaking, if the user receives the SMS notification of mortgage lending, he will generally lend money in the afternoon of the same day or the next afternoon. After the loan, the lender should pay attention to that it is best not to apply for any other loan within three months to avoid increasing the personal debt ratio and let the bank "lend first and then manage" users.

For mortgage loans, the bank will inform you by SMS or telephone.

If it is a pure commercial loan to buy a house, after the bank approves it, the bank will lend directly if there is a quota. If it is a portfolio loan, it will also involve the amount of the provident fund center, and this time will be slower.

The speed of lending is also closely related to whether the local real estate market is hot or not. For example, many people buy houses, especially those who buy houses together. At this time, it is easy for banks to have insufficient credit lines, so it may take more than half a year.

According to the normal situation, commercial loans generally take about three months, and the provident fund can be lent in about half a year.

After receiving the short message of mortgage loan, the customer only needs to wait for the bank to transfer the loan funds in the receiving bank card to the account designated by the real estate developer.

However, after the mortgage loan is transferred to the bank card under the customer's name, it will generally be transferred to the account designated by the developer immediately, and the mortgage will be completed after the real estate developer receives the remaining house payment. Next, the customer can repay the principal and interest of the mortgage on time and in installments according to the repayment plan agreed in the signed loan contract.

If the customer has paid the housing provident fund, he can also go to the provident fund to repay the loan, and use the balance of the provident fund account to offset the mortgage (you can apply for monthly payment, that is, deduct the corresponding amount from the provident fund account every month to repay the principal and interest due in the current month; You can also apply for an annual offset, that is, deduct the balance of the provident fund account once a year to offset the principal payable).

If the customer has sufficient funds in the later period, he can also make early repayment (it usually takes one year to repay on schedule before he can apply for early repayment, otherwise he may have to pay a certain penalty). After the mortgage is paid off, customers can go to the bank to issue a loan settlement certificate, get back their own warrants, and then go to the Housing Authority to understand the mortgage procedures.

Received a short message from ABC about mortgage loan. Has the loan been completed?

Received a short message from the bank about mortgage loan, indicating that the bank has completed all the examination and approval procedures and issued loans to real estate developers, and your loan has been completed.

The applied mortgage received a short message from the bank saying that it had been lent, and then it could be fulfilled according to the terms agreed in the loan contract.

After the loan to buy a house and the bank loan, the buyer should get:

House surveying and mapping fee receipt, appraisal fee receipt, deed tax ticket, maintenance fund receipt, transaction fee receipt, registration fee receipt, mortgage registration fee receipt, loan contract, repayment plan, etc. ;

The loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate, and guarantee company guarantee certificate.

Personal commercial housing loan process

I. Basic conditions

Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan.

The purchased commercial house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business operation.

A house purchase contract or agreement has been signed (hereinafter referred to as "house purchase contract"), and more than 40% of the house purchase price has been paid.

With the assets recognized by the loan bank as collateral, the present value of the house purchased is not less than RMB 300,000.

It is agreed to handle the bank card (discount) at the loan bank and entrust the loan bank to deduct the principal and interest of each loan.

Two, should provide the following information

Valid identity documents, proof of marital status and other necessary documents of the borrower and the mortgagor;

The real estate certificate of the mortgaged house and the certificate that the mortgaged property agrees to mortgage;

Letter of intent signed by the borrower, receipt of more than 30% of the purchase price or other supporting documents;

Other materials deemed necessary by the lender.

According to Article 11 of the Interim Measures for the Administration of Personal Loans, applying for personal loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

CreditEase China sent a message that the loan was successful.

What you want to ask is whether it is normal for Yixin Huahua to send a message that the loan is successful? CreditEase China sent a message that the loan was successful and normal. Because the user received a short message from CreditEase China Loan Agency saying that the loan was successful, which means that the loan funds have been released. This is normal, but this does not mean that the loan funds can be received smoothly. Please refer to the actual receipt.

The bank message tells the lender whether it is really lending.

Yes, once you receive the short message from the bank, it proves that the bank has transferred the loan to the account.