Who has SMS notification of mortgage repayment? Give me a content map.

Is there a SMS notification? This needs to be indicated in the loan contract. There is a place to fill in the mobile phone number and tick it. This will be in the computer program and give you a message every month. Without ticks, there would be no ticks. I don't know what year your mortgage is. After 20 10, after the comprehensive rectification of ICBC's personal loans, mobile phone numbers and SMS prompts are necessary. This is one of the items that must be checked in the declaration process. If you have just issued a house loan, you'd better take the loan contract and ID card to the accounting department of the loan bank to print a mortgage repayment schedule with the figures of time and monthly repayment.

Examples of debit messages are as follows:

Mr. XX of the Postal Savings Bank, the current balance of your savings account with the number of 7 12 1 at 8: 00 on February 25th was 15 12.99 yuan, and the principal and interest of personal second-hand housing loans were deducted on February 28th. Please replenish 65438 before February 28th. In case the People's Bank of China adjusts the loan interest rate, the actual deduction amount will be adjusted accordingly. Please contact 95580 for details. Thank you for your understanding and support! 2. Dear customer of China Bank, your mortgage repayment amount this month is 16 16.54 yuan, and the maturity date is 0 1. If the balance of your repayment account is insufficient, please deposit it into China Bank in time.

What about loans overdue?

1. The repayment account is partially overdue due to insufficient funds: in this case, it is only necessary to make up the overdue account immediately, and it is recommended to deposit more funds in the next repayment. It should be noted that all overdue or partial overdue, once confirmed overdue, will be included in the credit report.

2. Overdue due to objective reasons: if you can't deposit on business trip, the transfer and remittance will be returned, and you will forget to deposit. You only need to repay immediately after you find that it is overdue. You can avoid forgetting to pay the loan by setting up a memo or reminding. In this case, the overdue period will also be recorded in the credit report.

3. Temporary shortage of funds, unable to repay immediately: immediately explain the situation to relatives and friends, ask for assistance, and repay as soon as possible, because loans overdue generally has penalty interest. The longer the overdue period, the more capital cost will be paid, and the greater the negative impact on the next bank loan. ：

4. Insufficient sources of income, unable to repay for a long time: In addition to asking friends and relatives for help, we should also adjust the financial revenue and expenditure plan, increase income through formal channels, and save various expenses. As long as there are extra funds, even if they are not enough to settle the arrears, they should be deposited in the repayment account to reduce the penalty interest caused by overdue. In addition, we should contact the loan bank to discuss overdue treatment to avoid being sued and causing greater economic losses.

5. Special circumstances: If it is confirmed that the repayment funds have been deposited in full and on time, but they are still overdue, you should immediately contact the loan bank for handling, and provide supporting materials to apply for credit extension objection when necessary to safeguard your legitimate rights and interests.