Will the bank inform the borrower after lending money?

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.

Will there be a SMS notification when the mortgage is passed?

Will there be a SMS notification when the mortgage is passed? There will be a SMS notification when the mortgage is approved. After receiving the SMS notification, users need to sign a loan contract with the bank within the specified time. If the user fails to sign the contract within the specified time, it shall be deemed that the user has given up the mortgage application. In addition to SMS notification, some banks will call applicants to inform users that they have passed the mortgage review, and then they need to go to the bank to sign a contract.

If the mortgage fails, there will be a text message to inform the user. At this time, users can call the mortgage bank and ask the specific reasons for the failure.

"Measures for the Administration of Individual Housing Loans" Article 7 A borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower in accordance with the relevant provisions of the General Rules for Loans.

Will there be a SMS notification when the loan passes?

After the loan is successful, the applicant will generally receive such a short message: Dear xxx, your xxx loan has been approved and xxx yuan has been successfully received. Please withdraw it in time and repay it on time. Because the information template of each lending institution or bank is different, the information received may be different. But there will be the name of the lending institution, approval, loan term, repayment date and so on.

First, the reason why you will receive the information when the loan is successful.

Generally speaking, after the loan application is submitted, the loan application is approved, and the customer service of the lending institution will call the loan applicant. However, due to the large user base of loan application, all of them are notified by telephone, and the human resources are very large, which leads to low work efficiency and waste of resources. Therefore, the loan application will notify the loan applicant by SMS, telling the lender that the loan has been successful. If the loan application is not approved, the loan applicant will also receive a text message. This is the way that the lending institution tells the lender the final result of the loan application. With the continuous development of social informatization, this is a very convenient method, and SMS is an economical and practical channel. Most lending institutions notify lenders in this way. After receiving the information that the loan application was successful, the applicant can generally check the approval result in official website, or call the loan customer service phone to verify the loan result and confirm the authenticity of the received SMS.

Two. Matters needing attention in successfully receiving loan information

After receiving the loan success information, if you want to verify whether the short message is true, you can log in to the lending institution official website, or call the customer service phone of the lending institution to confirm the loan result, or you can directly go to the lending institution for consultation and verification. If you haven't submitted a loan application, but you have received the information that the loan is successful, you should be vigilant. Don't reply or dial the phone number on the text message at will, and you can't click on the link on the text message at will. Be careful not to receive text messages to avoid unnecessary property losses. If you don't apply for a loan but receive the information that the loan is successful, the safest way is to ignore it and don't fall into the trap of a liar because of greed and cheapness. Sometimes the short message sent by the lending institution is not necessarily the information of loan success, or it may be that the applicant has submitted a loan application to this lending institution before, but the application failed for some reasons, and the lending institution will also push some advertisements to users from time to time. Users should pay attention to discrimination, and users can also set harassment interception to stop receiving this promotional advertisement.

Will the mortgage lender inform me?

The lender will be informed of the mortgage, usually by SMS. Lenders will fill in personal information, including mobile phone number information, when handling mortgage loans, and the repayment bank card will also be bound with the mobile phone number, so the bank will notify the lender to prepare for repayment by SMS after lending.

Mortgage repayment method:

(1) Matching principal and interest repayment method: Matching principal and interest repayment method is also called regular interest payment method, that is, the borrower repays the loan principal and interest in equal amount every month, and the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month. Add up the total principal and interest of the mortgage loan and distribute it evenly to each month of the repayment period. As a repayment, he pays a fixed amount to the bank every month, but the proportion of principal in the monthly repayment increases month by month, and the proportion of interest decreases month by month. With this repayment method, the funds to be repaid every month are the same. Therefore, everyone's repayment operation is relatively simple, and it is convenient to arrange income and expenditure by bearing the same amount every month.

This method is more suitable for families with stable income. If you buy a house and live for yourself, you can also choose this method if the economic conditions do not allow you to invest too much in the early stage. However, it also has some defects, because the interest will not decrease with the repayment of the principal amount, and the bank funds take up a long time, and the total interest of repayment is higher than the average principal repayment method to be introduced below.

The advantage of this repayment method is that the same amount is paid every month. As a lender, the operation is relatively simple. Bear the same amount every month, which is also convenient for arranging income and expenditure. The disadvantage is that the interest will not decrease with the repayment of the principal amount, and the bank funds take up a long time, so the total interest on repayment is higher than the average principal repayment method to be introduced below.

(II) average capital Repayment Method: average capital Repayment Method is also called repayment method with interest and principal and average capital with unequal interest. The lender will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month. For equal principal repayment, the amount of money to be repaid in the first month is the most, and it will gradually decrease in the future, so the repayment pressure in the early stage of the loan is relatively high.

This method is very suitable for people with high income at present, but it is predicted that their income will decrease in the future. In fact, many people over middle age, after a period of efforts, have a certain economic foundation. Considering that your income may decrease with retirement and other factors, you can choose this way to repay.

Will the bank inform you when the mortgage comes down? How to check whether the mortgage has been approved?

When it comes to buying a house, many people will choose to apply for a bank mortgage loan to buy a house, which can be said to be a relatively common and popular method at present. However, many property buyers are looking forward to the early approval of the loan. I wonder if the bank loan will take the initiative to inform the borrower whether it can be approved? So will the bank inform the borrower when the mortgage comes down? How to check whether the mortgage has been approved?

When it comes to buying a house, many people will choose to apply for a bank mortgage loan to buy a house, which can be said to be a relatively common and popular method at present. However, many property buyers are looking forward to the early approval of the loan. I wonder if the bank loan will take the initiative to inform the borrower whether it can be approved? So will the bank inform the borrower when the mortgage comes down? How to check whether the mortgage has been approved?

Will the bank inform you when the mortgage comes down?

1. The bank will inform you by SMS when the mortgage comes down. If it is a commercial loan, it will generally arrive within 25 working days. If it is a municipal provident fund loan, it usually takes 15-20 working days to arrive, and the state-run provident fund will take 6 working days to arrive. Moreover, the transaction volume of second-hand houses is on the rise, and the time limit for lending by different banks may change. If you have received the loan notice, it is recommended to consult the loan bank.

2. Under normal circumstances, if you receive a short message or phone call from the bank and know that the loan has been approved, the developer will inform you to get the house purchase contract that has been registered with the real estate management department (because if the bank does not grant you a loan, the developer will not register with the real estate management department with the house purchase contract signed with you).

Generally, the bank will send the loan contract and repayment card to the developer in batches, so you can also get the loan contract and bank card when you receive the purchase contract.

Some banks need customers to apply for loans again. Remember to ask the bank for a loan contract and loan receipt that belongs to you after the loan is completed. Second-hand houses also have insurance policies, evaluation books, invoices and so on. There are also two copies of the real estate license, remember to let the bank affix the administrative official seal, because some organs and departments need to do things.

How to check whether the mortgage has been approved?

The lender will receive SMS to inform the mortgage result. You can query in the following ways:

1. The house loan is a bank loan, so the most direct method is to ask the corresponding banking business manager.

2. Considering that the housing loan is directly issued by the bank to the real estate company, the relevant finance of the real estate company can also keep abreast of the mortgage payment;

3. In the process of mortgage review, the general bank will call the lender to verify some information. Then, if all the projects meet the loan conditions, the lender will be informed of the loan date and amount by SMS before the loan is issued.

The above article is about whether the bank will notify the mortgage and how to inquire whether the mortgage has been approved, hoping to help friends in need. If the mortgage comes down, the bank will inform everyone, so don't worry about it at all. Of course, if you are in a hurry, you can keep in touch with the bank staff at any time to understand the approval of bank loans.

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

Your situation belongs to the situation that the loan has been issued, because after the bank approves the loan, the loan funds will be credited to the seller's account instead of the lender's account, so you can't receive the text message. Of course, if the mortgage has shown the loan, but I have not received the loan information, it may be because:

1. The information was delayed, so the customer did not receive the information;

2. It may be that banks and lending institutions haven't had time to send information, and customers naturally haven't received the loan notice;

3. Banks and lending institutions may sometimes accidentally make omissions, so they don't send information to customers;

4. If the SMS interception function is set on the customer's own mobile phone, the SMS sent by the bank or lending institution may be intercepted as spam, and the customer thinks that it has not been received. Usually, after the mortgage loan is successfully received, the customer will receive the notice from the bank or lending institution within one or two days, and if it is fast, it will often be received on the same day. If the message is not received after a few days, customers can check the spam messages in their mobile phones to see if the message is blocked. If no information is received, the customer can call the bank or lending institution to confirm whether it is a real loan. Usually, after the mortgage loan is successfully received, the customer will receive the notice from the bank or lending institution within one or two days, and if it is fast, it will often be received on the same day. If the message is not received after a few days, customers can check the spam messages in their mobile phones to see if the message is blocked. If no information is received, the customer can call the bank or lending institution to confirm whether it is a real loan.

Solution:

1. Bring valid identity documents and bank cards to the local bank outlets;

2. Fill in a business application form, select "SMS Reminder" in the column of business application, and attach the commonly used mobile phone number to receive SMS;

3. Submit the bank card, original ID card and business application form;

4. Enter the mobile phone number and verification code as required; You can start the SMS reminder service.

In addition, it can also be opened through bank customer service and call the customer service phone of mortgage bank to apply for opening; Or open a mobile banking APP, and now many banks' mobile apps can open SMS reminder services; Through the opening of personal online banking, log in to the personal online banking of the loan bank and find the business of SMS reminder.

SMS notification of mortgage deduction, if it is a personal loan of a bank, the loan SMS includes: withholding reminder SMS, loan issuance SMS, repayment arrival SMS, loan deduction SMS, etc. , all sent to the one-card mobile phone number reserved by the bank.