Will the mortgage lender receive SMS notification?

Will there be any notice when the mortgage is approved?

After the mortgage is approved successfully, the user will be notified by SMS, so that the user can run the repayment according to the mortgage contract. Of course, if you haven't received any payment information for a long time, please take the initiative to contact the approving bank. It doesn't rule out that the bank didn't send a text message to inform the user, so the user won't know if it has been approved.

In addition, users can also take the initiative to call the customer service hotline of the approval bank. Except in special circumstances, the approval time of funds generally does not drag on for a long time.

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.

Will the mortgage lender inform me?

The mortgage lender will inform me. Usually, after lending, the bank will send a text message to inform the borrower that the loan has been completed. Under normal circumstances, you can receive a loan text message on the same day. It should be noted that after the mortgage loan is issued, the borrower will start repayment as agreed, and overdue repayment will affect personal credit.

Personal housing loan refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. Personal housing loan business is one of the main asset businesses of commercial banks. Refers to the loan issued by a commercial bank to a borrower for the first time to purchase a house (that is, a house developed and built by a real estate developer or other qualified developers and sold to an individual).

Personal housing loans mainly have the following three loan forms:

(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.

(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.

(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

Potential borrower

The loan object should be a natural person with full capacity for civil conduct. The borrower shall meet the following conditions:

1. Have permanent residence or valid residence status in cities and towns;

Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest;

Three, with the purchase of housing contracts or agreements;

Four, do not enjoy the purchase subsidy to not less than 30% of the total price of the purchased house as the down payment; 30% of individuals who enjoy housing subsidies are down payment for housing purchases;

Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors;

6. Other conditions stipulated by the lender.

Will the mortgage approval meeting be notified by SMS?

After the mortgage is approved, the bank will send a text message on the mobile phone number reserved by the user to inform the user that the approval is successful. After the allocation is successful, it is necessary to run the repayment operation according to the mortgage contract. There is no grace period for mortgage repayment, and each installment must be repaid on time. Even if it is overdue by one day, there will be overdue records in the credit investigation.

Once the mortgage is overdue, it is difficult to apply for other credit loan business, and it is impossible to handle any credit loan business in the case of bad credit.