What should I do if my mobile phone always receives a loan text message?

The mobile phone frequently receives various loan short messages, and there are the following solutions:

1. You can set the short messages in the mobile phone, select the interception information, and turn on the "intelligent interception" function to eliminate some advertising short messages.

2. You can add the number of SMS to the blacklist, and manually add the number or words that need to be blocked.

3. You can complain to the operator.

4. You can download the mobile phone housekeeper to intercept some spam messages.

5. be careful not to leave your mobile phone number frequently when downloading and logging in some APP applications to prevent information from leaking.

Bank loan refers to an economic behavior in which banks lend funds to those who need them at a certain interest rate according to national policies, and return them within an agreed time limit.

bank loans generally require guarantees, house mortgages, proof of income and good personal credit information before they can be applied.

credit conditions

1. credit line

the credit line is the maximum amount that the borrower is allowed to borrow in the agreement between the borrower and the bank.

2. Revolving credit agreement

A revolving credit agreement is an agreement that banks legally promise to provide loans to enterprises that do not exceed a certain maximum limit.

3. Compensatory balance

Compensatory balance is the minimum deposit balance that the bank requires the borrower to keep in the bank according to the loan limit or a certain percentage (generally 1% to 2%) of the actual borrowing amount.

mortgage, also known as house mortgage. Mortgage means that the buyer fills in the application for mortgage loan to the bank, and provides legal documents such as ID card, income certificate, house sales contract, guarantee, etc. The bank promises to issue loans to the buyer after passing the examination, and handles the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loaned funds to the account of the seller within the time limit stipulated in the contract.

how to repay the loan more economically?

Compared with the two repayment methods, under the condition of full repayment, the "equal principal and interest repayment method" will pay more interest than the "average capital repayment method".

However, not all people should choose the "average capital repayment method" to repay the loan, but also consider their own financial situation.

For people with high salaries and diversified incomes, the "average capital Repayment Method" can be adopted;

If the cash strength is relatively strong, but there is no willingness to repay the loan in advance, you can use the "average capital Repayment Method" to repay the loan. As time goes by, the repayment in each installment will gradually decrease. Although this repayment method has great financial pressure in the early stage, it can alleviate the pressure in the future.

if you are a civil servant, an ordinary teacher, or a general researcher, or you have a steady job or want a simple life, it is recommended to choose the "equal principal and interest repayment method", because this repayment method is beneficial to better arrange your life in advance.

In addition, remember that the interest paid is non-refundable if you want to repay the loan in advance. If you want a friend who intends to repay the loan in advance, you should comprehensively consider the amount of principal and interest that has been repaid and the sum of the principal that needs to be repaid at one time when repaying the loan in advance, and then choose "average capital repayment method" or "equal principal and interest repayment method".

In addition, friends who want to repay the loan in advance should also consider the opportunity cost of repaying the loan in advance.