The mortgage has been released. Why not notify the repayment?

Why didn't the bank inform me when the loan came down?

Why didn't the bank inform me when the loan came down?

Loans should be divided into loan approval or loan issuance. Bank loan procedures are divided into two parts: loan approval and lending.

1, loan approval. Loan approval refers to checking the loan qualification of customers. At this time, when the loan is approved, there is no need to inform the lender.

2. Loan. After the loan is approved successfully, the bank will inform the lender to sign the contract before lending.

Of course, some banks will delay the notice for several days after lending. Therefore, for specific reasons, the lender can consult the manual customer service of the loan bank.

Is there a SMS notification when the mortgage is approved?

If SMS notification is enabled, it will be available, but if not, it will not be available. If there is no SMS notification, the reasons are as follows:

First, the short message from the bank hasn't been sent yet. It is estimated that we will get the news soon.

Second, if there is no news in two days or so, I suggest you go to the bank staff as well.

Third, some information is blocked, so you can open the spam messages on your mobile phone.

How long will it take for the bank to receive the loan?

Generally, the bank will notify the lender to accept the loan within 15 working days. However, there are some differences in the arrival time of each bank. Users can call the bank or pay attention to the balance in the card. If you apply for a mortgage, there will be a short message after the loan is released to let the user know the next payment of the mortgage.

The bank sent a message that the mortgage has been successfully issued. Do you want to wait for the bank to call?

First of all, answer directly.

After the mortgage loan is released, it is generally paid back from the next month. Of course, sometimes if the loan date is close to the first repayment date, it may be postponed until next month.

Second, the specific analysis

For example, the loan date is on the 27th of this month, and the repayment date is on the 2nd of each month. Because the 27th is a little short of the first repayment date, that is, the 2nd of next month, the bank will directly postpone the repayment until the 2nd of next month.

(The details shall be subject to the provisions of the handling outlets) And a few days before the repayment date, most banks will notify the repayment amount in the current month by SMS to remind them to repay on time.

If the balance in the account is insufficient, it may affect the subsequent deduction, and the bank may also send a message to inform the bank to deduct the money.

Usually, we should also pay more attention to the movement of funds in the card and the status of the card to ensure that the funds in the card are sufficient and in normal condition (if the money is not enough, we should save money in time and contact the bank to solve it), so that the bank can successfully complete the deduction on the repayment date to avoid the failure and overdue repayment caused by insufficient balance or different status in the card.

Borrowers apply for loans too frequently or operate loans too frequently, which will increase personal credit risk. You can check the personal credit risk index in Winnie Hsin. The higher the risk score, the easier it is for the application to be rejected.

Third, can I still apply for a mortgage if I owe a lot?

There are a lot of debts under the user name, and you can also apply for a mortgage.

If the previous arrears lead to a high personal debt ratio when applying for a mortgage, the bank will ask the user to pay off the previous loan in advance, and after the previous loan is paid off, he can continue to apply for a mortgage.

When applying for a mortgage, the bank did not ask the user to pay off the previous arrears, so the previous arrears did not affect the mortgage.

Different users have different repayment abilities, so many arrears are discussed in different situations.

When users have strong repayment ability, more debts will not lead to an increase in personal debt ratio, so users' subsequent handling of other credit businesses will not be affected by previous debts.

However, the repayment ability of users is weak, and more debts have made their debts close to saturation, so it is basically impossible to apply for other loans in the future.

Users can pay off some loans in advance before applying for a mortgage. After the debt ratio is reduced, it will really help users pass the mortgage review.

But whether it can pass the audit in the end depends on the audit results given by the bank.

The mortgage has just been released and there is no repayment plan.

The mortgage has been released. Why not notify the repayment?

The mortgage has been lent, and the bank will not send a repayment notice message that month. Users don't need to repay their mortgage until next month, and they won't receive the information of repayment notice until next month. For users, the first mortgage repayment amount may be different from the repayment plan, because the first repayment amount also includes the mortgage interest of last month. Moreover, the repayment amount is automatically generated after system calculation. If you have any objection to the repayment amount, please contact the mortgage lender for consultation.

Mobile banking shows that the loan has been issued. Why is there no SMS notification? Is this a loan?

If you apply for a commercial loan through our bank, you can check the loan situation through mobile banking. You didn't receive the text message because of the different business of branches around the country. Please consult the handling outlets for confirmation.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.