Will there be a text message notification after the bank has disbursed the mortgage loan?

There will be a text message notification after the bank's mortgage loan is disbursed, but whether it is a text message notification depends on the bank's notification method. You can contact the bank's mortgage business manager to confirm.

The bank housing process is as follows:

1. Sign a house sales contract. Of course, this is only a contract of intention. Do not go to the owner first, and do not pay a down payment. The deposit depends on You have negotiated the terms with your predecessor.

2. Submit a loan application to the bank. After the bank accepts your application, if the information is incomplete or insufficient, it will ask you to provide additional information. Generally, the approval time will be about 2 weeks.

3. When the bank approves your loan application (it approves your loan application, but does not agree to lend you a loan), you should pay attention and ask the bank staff how your loan will be processed. After the mortgage is completed, we can arrange a time to lend you the loan. Once confirmed, you can go through the transfer process and pay the down payment. It should be noted here that most banks require the down payment to be paid to the handling bank. If you pay the handling bank at another bank, it will not be recognized.

4. Sign a loan contract with the bank, pay various fees, and apply for mortgage and insurance. When signing a loan contract, you should carefully read the terms inside it, because most bank handlers make these loan contracts in batches, and mistakes and omissions are inevitable.

5. Handle mortgage and insurance procedures.

6. For loans, some banks require customers to go to the bank again to apply for loans. After disbursing the loan, remember to ask the bank for a copy of your loan contract and IOU. For second-hand houses, there is also an insurance policy, appraisal letter, etc. Also make two copies of the real estate certificate. Remember to ask for the official seal of the bank, because some agencies and departments require it when doing business.

Reference materials

Rong360 official website.Rong360 official website [Citation time 2018-1-10]