Is SMS notification a provident fund loan from CCB?

Is it true that CCB received the short message from the provident fund and the money arrived?

See if the number sent is a customer service number.

CCB will send a short message to the mobile phone number reserved for the mortgage to inform the user that the loan has been completed. After lending, users need to repay according to the mortgage contract.

Will there be a SMS notification after the housing provident fund is withdrawn?

There will be text messages. From loan application to. Sign the contract. Apply for a mortgage. Borrow money to repay. There will be SMS reminders throughout. Which node will have a reminder. Provident fund centers may be different from place to place.

1. Withdrawal time of provident fund: generally 3 working days. After the application for withdrawal of individual housing provident fund is submitted and approved by the relevant departments, the bank will directly remit the money to the individual account; In principle, it will be credited to your personal provident fund account within three working days after you complete the withdrawal procedures of the provident fund, and it will generally arrive the next day. Generally, it will be transferred to the personal settlement account within 3 working days; On the fourth working day, you can go to the bank counter or computer A to check whether the extracted housing provident fund money has arrived, and you can call if it has not arrived; Mainly depends on the audit time, the efficiency is different in different places, as long as the audit is passed, it should arrive soon.

2. Provident fund loan, also known as individual housing loan reserve, is a housing mortgage loan that the housing provident fund management center applies for provident fund loan around the use of housing provident fund paid by employees, and entrusts commercial banks to purchase, build houses, split houses, overhaul housing provident fund and pay housing provident fund for retired employees. When employees who have paid the housing provident fund for a period of time or more (in different cities at different times, such as Changsha for more than 12 months) can apply for housing provident fund loans, the housing provident fund is not enough to buy and build, renovate or overhaul their own houses.

3. Please refer to the following solutions for the problem that you have notified the extension of the provident fund loan by SMS, but you still haven't received the SMS from the bank. When you find that your loan is in the "accounted" state, the staff of the management office will inform the borrower management office of the loan contract, batch special transfer (the developer will inform the developer to handle it uniformly) and other relevant loan issuance vouchers by SMS, telephone and other means. Thereafter, the borrower shall repay the loan as agreed in the contract. If in doubt, please contact the Provident Fund Management Office. Hello, when you find that your loan is in the "reserved" state, the staff of the management office will inform you in batches by SMS or telephone.

The bank staff will definitely communicate with you in time. Don't worry, someone else lent you money, not you deposited it in the bank. Usually, after the loan of this bank is approved, the loan is issued successfully, and the repayment will be notified by SMS after reminding, and the provident fund loan will also be reminded by SMS.

Why is there no SMS notification for provident fund loans?

Generally, if there is no text message, you will call. If you want to find out the reason, you can go to the bank with your ID card to ask the bank staff the specific reason and ask the SMS reminder item to prevent you from missing the deduction SMS. General banks have this kind of loan SMS reminder service, you can go to the bank for consultation.

Provident fund loan is a common loan method in mortgage loan. The loan interest rate of general provident fund loans is lower than that of bank commercial loans, so it is loved by many loan users.

First, if users want to make provident fund loans, they must first meet the conditions of provident fund loans. Generally speaking, the conditions of provident fund loans are as follows:

1, and has paid at least 1 year provident fund;

2. Personal credit status is good, and there is no record of overdue repayment;

3. Have a stable income and the ability to repay loans;

4. Have the behavior of buying a house and pay the down payment as required;

5. There is no outstanding provident fund loan in the name of the individual.

2. Eligible users can consult their provident fund loan qualifications at the entrusted bank of the provident fund management center. After confirming that the provident fund loan can be made, you can get the provident fund loan folder at the bank and fill in the information as required.

After filling in the relevant information, users can apply for provident fund loans with the information required by the bank, such as ID card, household registration book, marriage certificate, single certificate, house purchase contract, down payment certificate and so on.

3. The user submits all information to the bank. After applying for a loan, the bank will conduct a comprehensive loan review for the user according to the loan information provided by the user, and determine the loan amount, loan interest rate, loan term and loan repayment method after consultation with the borrower. After the final approval, users will be notified by phone to go to the bank for loan procedures. After receiving the notice, the user goes to the bank to sign a loan agreement and go through the relevant mortgage procedures, and then the provident fund management center finally makes a final judgment on the loan. After the approval, the bank will directly lend the loan to the developer's account, and the lender will repay the loan according to the requirements of the bank later.

Fourth, if users want to make provident fund loans more cost-effective, they can find ways to increase their loan amount. Generally, the auditing standards of provident fund loan amount are different in different regions, so users can know the auditing standards of their own provident fund loan amount before lending, and then increase their own amount. For example, the local provident fund amount is calculated according to the balance of the provident fund account, so you can increase your own provident fund payment base and increase your own provident fund account balance before the loan.

Is there no SMS reminder for housing provident fund loans?

Generally, you don't call to inform SMS.

Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the application form for housing provident fund loans and truthfully provide the following information:

Proof of deposit of housing provident fund of the applicant and spouse;

Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident identity card and permanent residence booklet) and proof of marital status;

Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

Valid documents such as purchase contract and agreement;

Collateral, pledge list, certificate of ownership, certificate of consent of the authorized disposition to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

The provident fund center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract;

Other information required by the provident fund center.