Why is there no SMS notification for provident fund loans?

Generally, if there is no text message, you will call. If you want to find out the reason, you can go to the bank with your ID card to ask the bank staff the specific reason and ask the SMS reminder item to prevent you from missing the deduction SMS. General banks have this kind of loan SMS reminder service, you can go to the bank for consultation.

Provident fund loan is a common loan method in mortgage loan. The loan interest rate of general provident fund loans is lower than that of bank commercial loans, so it is loved by many loan users.

First, if users want to make provident fund loans, they must first meet the conditions of provident fund loans. Generally speaking, the conditions of provident fund loans are as follows:

1, and has paid at least 1 year provident fund;

2. Personal credit status is good, and there is no record of overdue repayment;

3. Have a stable income and the ability to repay loans;

4. Have the behavior of buying a house and pay the down payment as required;

5. There is no outstanding provident fund loan in the name of the individual.

2. Eligible users can consult their provident fund loan qualifications at the entrusted bank of the provident fund management center. After confirming that the provident fund loan can be made, you can get the provident fund loan folder at the bank and fill in the information as required.

After filling in the relevant information, users can apply for provident fund loans with the information required by the bank, such as ID card, household registration book, marriage certificate, single certificate, house purchase contract, down payment certificate and so on.

3. The user submits all information to the bank. After applying for a loan, the bank will conduct a comprehensive loan review for the user according to the loan information provided by the user, and determine the loan amount, loan interest rate, loan term and loan repayment method after consultation with the borrower. After the final approval, users will be notified by phone to go to the bank for loan procedures. After receiving the notice, the user goes to the bank to sign a loan agreement and go through the relevant mortgage procedures, and then the provident fund management center finally makes a final judgment on the loan. After the approval, the bank will directly lend the loan to the developer's account, and the lender will repay the loan according to the requirements of the bank later.

Fourth, if users want to make provident fund loans more cost-effective, they can find ways to increase their loan amount. Generally, the auditing standards of provident fund loan amount are different in different regions, so users can know the auditing standards of their own provident fund loan amount before lending, and then increase their own amount. For example, the local provident fund amount is calculated according to the balance of the provident fund account, so you can increase your own provident fund payment base and increase your own provident fund account balance before the loan.