Notification SMS before bank lending

1. The Agricultural Bank of China sent me a short message. Does this mean that the loan is down?

It came down. You can check the accounts.

2. Have you received the short message about mortgage loan from Agricultural Bank of China? Has the loan been completed?

The short message received from the bank's mortgage loan shows that the bank has completed all the approval procedures and issued loans to real estate developers. Your loan has been completed, and you need to repay the loan to the bank on time and in full from next month. : housing loan 1 process. When the buyer chooses mortgage to buy a house, he/she must provide the following information to the bank (loan bank) that provides mortgage: (1) Legal and valid identification. ② Proof of fixed economic income. (3) The original commercial housing sales contract witnessed by the real estate management department. (4) Other documents required by the lending bank. 2. The bank examines the authenticity, reliability and legality of the information provided by the buyer. After passing the examination, the lender, the developer and the buyer sign the Real Estate Mortgage (Mortgage) Contract and the Building Mortgage Loan Contract (this contract must be notarized or witnessed by the lawyer, and the expenses arising therefrom shall be borne by the buyer), and the three parties jointly go to the real estate management department to handle the mortgage (mortgage) registration of the house purchase loan. 3. The buyer shall submit the following documents: (1) The original commercial house sales contract witnessed by the real estate management department. (2) A copy of the ID card. (3) The corresponding effective housing mortgage loan contract. (4) The mortgage application form and the original mortgage contract. (5) If others are entrusted to register on their behalf, the original valid power of attorney shall be submitted. 4. The buyer shall perform the following obligations: (1) Submit the real estate mortgage registration certificate and the original contract to the loan bank for safekeeping. (2) The house transfer formalities shall be completed within three months after the delivery of the auction house, and the land use certificate, house ownership certificate and house ownership certificate shall be obtained, and the three certificates shall be directly kept by the loan bank (at this time, the developer's guarantee responsibility shall be lifted). (3) Insure the mortgaged property at its own expense, with the insurance period not shorter than the mortgage period and the insurance amount not lower than the total value of the mortgaged property, and hand over the insurance policy to the loan bank, with the loan as the first beneficiary. (4) Without the written consent of the lending bank, the buyer shall not lease, sell, dismantle, rebuild, remortgage or otherwise dispose of the mortgaged property. (5) repay the principal and interest on time every month; If it is overdue, it will be fined according to the number of days. (6) After paying all the loan principal and interest, fines and expenses, the lender and the lender shall cancel the mortgage registration with the original mortgage registration authority and recover the land use certificate, house ownership certificate and insurance policy. 5. Repayment time and method (1) Repayment time: If the loan undertaking bank is ICBC, the borrower shall repay the loan in the following month; if the loan is repaid on the 6th of this month, the borrower shall repay the loan on the 6th of the following month; If the loan undertaking bank is another bank, the borrower shall repay the loan on the 5th of the following month. (2) Repayment method: The borrower opens a savings passbook in the loan undertaking bank and repays the loan by bank withholding. The borrower shall ensure that the savings passbook account has sufficient funds before the monthly repayment date.

Third, the Agricultural Bank of China received a text message saying that overdue deduction would affect personal credit information.

It will affect it. There is no grace period for ABC's mortgage repayment, and it will be overdue as long as it is one day late. And bank loans, as long as overdue, will be on the credit. After the overdue mortgage record is recorded, it has a great impact on users. However, the negative impact of overdue records can be reduced if users settle overdue debts soon after overdue. The longer the overdue time, the greater the negative impact on credit reporting, and the subsequent review of credit reporting applications will become more stringent.

Definition of personal loan:

Personal loan, also known as retail loan business, has become an important loan business after decades of development. Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

Definition of overdue loans:

Loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to repay the loan principal and interest to the bank that issued the loan according to the loan term agreed in the loan contract, and fails to go through the relevant extension or lending procedures, resulting in the loan exceeding the agreed term.

Definition of credit report:

Credit Pinyin is ZHNGXIN, which means collecting, sorting, saving and processing credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Zhuan Zhao Zhuan Gong Eight Years, "A gentleman keeps his word, so his resentment is far greater than his body". Among them, "collecting by faith" means that the words can be verified to be credible, or the credit can be solicited and verified.

Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to share credit information.

The bank sent a message that the mortgage loan has been successfully issued. Should we wait for the bank to call?

After the bank loan is issued, it means that the loan contract has come into effect, which mainly means that the borrower will repay the loan on time according to the contract. If SMS notification is enabled, banks will send SMS to notify repayment before the repayment date, and most banks will not call to notify repayment.

1. Some banks, such as Bank of China, take the specified date as the repayment date. If the current month is less than one month, it will be collected together with the next month. Assuming that the loan was issued on August 65438, 2005 and their repayment date was September 65438, 2005, there would be no deduction on September 65438, 2005.

2. Some banks, such as China Industrial and Commercial Bank, take the specified date as the repayment date, and if the month is less than one month, it will also be deducted in that month, so that the first monthly payment deducted in that month will be less than one month, which will be less than the subsequent monthly payment.

3. Most banks deduct the monthly payment according to the loan date, which solves the problem of insufficient or excessive monthly payment in the first phase. However, many banks will deduct the first monthly payment when lending, such as deposit and loan pass, fund and loan stamp duty. In a word, in order to avoid the shortage of monthly payment, they should deposit more or save enough for two months after deducting monthly payment from the bank.