The mortgage I applied for received a short message from the bank today saying that it had been lent today. What should we do next?

1. The mortgage I applied for received a text message from the bank today saying that the loan was released today. What should we do next?

The loan will be repaid today of next month, as long as the balance in the card is sufficient. You can call the bank to confirm.

Second, the mortgage I applied for received a short message from the bank today, saying that the loan was released today. What should we do next?

First of all, answer directly.

After receiving the short message of mortgage loan, just wait for the bank to transfer the loan funds in the receiving bank card to the designated account of the real estate developer.

Second, the specific analysis

However, after the mortgage loan is transferred to the bank card under its name, it will generally be transferred to the account designated by the developer immediately, and the mortgage will be completed after the real estate developer receives the remaining house payment.

Next, as long as the repayment plan agreed in the signed loan contract is followed, the mortgage principal and interest can be repaid in installments on time.

If you have paid the housing provident fund, you can also apply for provident fund loan repayment business, and use the balance of the provident fund account to repay the mortgage (you can apply for monthly payment, that is, deduct the corresponding amount from the provident fund account every month to repay the principal and interest that should be repaid in the current month; You can also apply for an annual offset, that is, deduct the balance of the provident fund account once a year to offset the principal payable).

If you have sufficient funds in your hand, you can also make prepayment (generally, it takes one year to apply for prepayment, otherwise you may have to pay a certain penalty).

After the mortgage is paid off, go to the bank to issue a loan settlement certificate, get his warrant back, and then go to the Housing Authority to understand the mortgage procedures.

But don't take it lightly when online loans are overdue. In addition to being collected, personal credit will also be affected, especially online loans with credit information. Once there is such an overdue record, it will seriously affect the handling of bank loans and credit cards in the future. Even if the processed online loan cannot be credited, you can access big data. Search: You can query your own online loan history, overdue details of online loans, liabilities, untrustworthy information and online loan blacklist.

3. What if the down payment of the house is not paid and the sales office does not refund it?

The house has been paid down, and the mortgage can't be done. If the sales office does not get a refund because of check-out, you can contact the developer to negotiate, and the developer will not force the purchase.

If return a house is implemented, the developer will terminate the business, and everything will be subject to the written contract.

Just need to pay attention, if the mortgage can't be done because of its own problems, then you may need to pay a certain amount of check-out penalty. The developer estimates that it will not be returned in full, and some may be deducted.

Of course, if you can't get a mortgage because the developer has a problem, then the developer has no reason not to refund, and can ask the other party to refund the money in full, or even ask the other party to pay a certain loss fee.

And if the problem can't be solved, you can also file a lawsuit for mediation through legal channels.

It is suggested that if the mortgage cannot be done because of personal problems, don't give up easily. You can apply at another bank. And you can try to increase the down payment and reduce the loan amount; You can also find a person with good credit to guarantee your loan, which can improve the chances of loan approval.

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

1 send, it is estimated that the message will be available soon.

If there is no news in two days or so, I suggest you go to the bank staff.

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

Of course, some banks will delay the notice for several days after lending. So there is a manual customer service to consult the loan bank.

Mortgage approval will be available via SMS, but if it is not opened. 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, then suggestions are better.

Third, look at some spam messages on your mobile phone. How long will it take for the bank to receive the loan? Banks generally notify lenders to accept loans 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 it is 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 sudden withdrawal of loans may be a temporary adjustment of lending institutions. When the loan funds are recovered, there will be two situations, one is that the lending institution reissues the funds, and the other is that the loan page directly shows that the loan failed. Need to republish the information. And it shows that the loan failed, indicating that the loan application failed. This situation is rare. In this case, please contact the customer service of the lending institution.

It takes about 10-30 days from mortgage registration to lending, depending on the time for mortgage registration by the Housing Authority and the speed of bank approval procedures. If it is an existing house, it may take a week. In addition, it is used as collateral, after which the bank will evaluate the amount and duration of the application, then register the mortgage, and then lend.

4. When will the loan be released after receiving the short message of bank mortgage?

After applying for a loan, many borrowers received a short message from the bank saying: the loan has been issued, but the bank card account has not yet arrived. I suggest you wait 1-3 days. If the account has not arrived, contact the customer service of the loan bank to understand the actual situation.

The general loan has been issued, and the borrower provides our debit card, and the money will arrive in real time, or the next day at the latest; If it is a debit card from another bank, it may take about 3 working days, subject to the actual arrival time.

In addition, if you have not applied for any loan, but you receive a text message that the loan has been issued, it is recommended to delete the text message immediately. This is just a way for lending institutions to trick you into applying for a loan.