I bought the house on 20 18. The bank informed me before that I can adjust the mortgage interest rate now. Do you need to adjust interest? Which is better?

1.20 18 bought the house. The bank informed me before that the interest rate can be adjusted now. Do I need to do it? Which is better?

I bought the house on October 20/Kloc-October 8, and the bank told Qian the interest rate of the house loan. Now the interest can be adjusted. You should do this. Maybe the interest is adjusted too much or too little, so you should press it.

2. Will there be SMS notification when the mortgage is approved?

There must be. On the one hand, as long as the mortgage is approved, text messages will be sent to your mobile phone, so be sure to keep it open. In addition, many banks will arrange staff to call you after approval, so don't worry too much. In addition, the developer will also receive a message informing you to collect the purchase contract that has been registered in the real estate management department. If you want to buy a house, you have to apply for a mortgage. After submitting all kinds of application materials, the bank will inform the borrower to bring the relevant materials to the bank for relevant procedures. Under normal circumstances, the bank will review the borrower's loan application within one working day after receiving it, and will notify the borrower to sign the loan contract after the review is passed. If the borrower's loan fails to pass the audit, then the bank will send a text message to inform the borrower at this time. However, in some cases, the borrower will receive a text message. After the loan is approved, the borrower can receive a text message. If the borrower does not receive the SMS notification, then the borrower can go to the bank to check the personal credit record first. If the borrower has notified the bank by SMS and completed the handling of the bank, then the borrower can choose to call the customer service hotline of the bank directly to inquire about the specific situation. There will be a SMS notification when the mortgage is approved. After receiving the SMS notification, users need to sign a loan contract with the bank within the specified time. If the user fails to sign the contract within the specified time, it shall be deemed that the user has given up the mortgage application. In addition to SMS notification, some banks will call applicants to inform users that they have passed the mortgage review, and then they need to go to the bank to sign a contract. If the mortgage fails, users will be notified by SMS. At this time, users can call the mortgage bank and ask the specific reasons for the failure. Legal basis: Article 67 1 of the Civil Code of People's Republic of China (PRC). If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount. Article 672 The lender may inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.

Did you get the short message of mortgage loan?

Thank you for your invitation. There are several kinds of mortgage loans, including second-hand housing loans, new housing loans and mortgage loans stipulated by law. In the first two cases, most banks check the mortgage twice, that is, check the credit information once when approving the loan and once when lending. After the loan, I will not check the credit information again, and I will also do post-loan management. However, due to the short loan approval time, it usually takes about 3 working days, so we only check the credit information once.

How did the bank inform you about the house loan?

When you buy a house loan, the bank informs you to sign it, transfer it, and transfer the approved loan to another account ~