What short message did China Industrial and Commercial Bank send to inform that the mortgage was approved?

After your loan is approved, the system will automatically send a short message to the mobile phone number reserved by the borrower, informing it of the loan amount, term, interest rate, account number and other related contents. You should forward the short message to 95588 within the specified time, which is also regarded as the verification of relevant information between ICBC and you. At the same time, the original manual telephone verification method is still retained for the large loan business that exceeds the maximum loan amount approved by SMS (set by each branch). If in doubt, please contact the loan bank for verification.

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1. Loan (electronic IOU credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out by means of loans, which can meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

2. Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification. Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

3. Regarding the borrower's loan conditions, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender; With regard to the guarantee, for the guarantor, the qualification, reputation and performance ability of the guarantor should be investigated.