Will the lender be notified after the mortgage is approved? What else do you need to do when the mortgage is approved?

Under normal circumstances, banks will send text messages to remind borrowers to pay attention to the check before lending.

If the borrower doesn't receive the loan text message for some reason, don't panic. If it is a large loan, the manager will also inform the borrower of the upcoming loan in advance.

If the borrower applies for a mortgage, then the borrower needs to go to the bank to sign when lending the mortgage.

The borrower does not sign to prove that the loan contract has no legal effect and the loan is invalid.

It is illegal for a bank to lend money without the borrower's signature.

If because of the bank, the bank did not inform the borrower after lending, and finally the mortgage was overdue.

This is the bank's own fault, not the borrower's. The borrower can directly find the bank, inform the situation, and then pay off the overdue amount.

If the bank fails to report the overdue situation, the borrower can discuss with the bank not to report the overdue situation.

If the bank has reported the overdue situation, the borrower can also ask the bank to issue a non-malicious overdue certificate, and then go to the Credit Information Center of the People's Bank of China to correct the overdue record.

Generally speaking, people use the credit records of the central bank, which will leave traces after the inquiry. This situation is not good for friends who borrow money. In addition, most online loans have no credit records, so it is impossible to know the credit information in detail. However, you can learn personal data through "Beijian Quick Check", including inquiry records, overdue information of online loans, application records, untrustworthy information, and blacklist of online loans. , and there is no query record.

Extended data:

What are the precautions after the bank lends money?

Pay attention to these matters after lending.

1. Don't apply for other loans immediately.

After the loan, the bank will also manage the borrower after the loan. If the borrower applies for refinancing immediately after paying the loan, it will lead to a sharp increase in the debt ratio on credit reporting, and the bank will doubt the borrower's repayment ability, and in serious cases, it will recover the loan.

2. You can't use loan funds at will.

Any loan funds are clearly used, such as car loan funds can only be used to buy a car, and mortgage funds can only be used to buy a house.

Borrowers applying for consumer loans can only be used for consumption, and may not be used for investment, wealth management, repayment of other loans, purchase of stocks, down payment on house purchase, etc.

Are illegal.

Once the bank finds that the borrower abuses the funds, it is likely to directly sue the borrower, or it may require the borrower to repay all the loan funds immediately.

3. Pay attention to the repayment time

Generally speaking, a day's delay in the date of bank lending is the repayment date.

The borrower must keep in mind his repayment date and prepare sufficient repayment funds in the repayment card three days before the repayment date.

Otherwise, once it is overdue, the consequences will be very serious.