Short message loan speech

Why do I often receive loan text messages on my mobile phone?

Mobile phones frequently receive various loan text messages, and there are the following solutions:

1. You can set short messages in your mobile phone, select intercept information, turn on the "intelligent intercept" function, and eliminate some advertisement short messages.

2. You can blacklist the number of texting, and manually add the number or text that needs to be blocked.

3. You can complain to the operator.

4. You can download the mobile phone housekeeper to intercept some spam messages.

5. Be careful not to leave your mobile phone number frequently when downloading and logging in some APP applications to prevent information from leaking.

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit.

Generally, a bank loan can only be applied if it has a guarantee, a house mortgage, a proof of income and a good personal credit.

Credit conditions

1, credit line

The credit line is the maximum amount that borrowers are allowed to borrow in the agreement signed between borrowers and banks.

2. Revolving credit agreement

Revolving credit agreement is a loan agreement that banks promise to provide enterprises with no more than a certain maximum amount according to law.

3. Compensatory balance

The compensatory balance is the minimum deposit balance that the bank requires the borrower to keep in the bank according to the loan limit or a certain proportion of the actual loan amount (generally 10% to 20%).

Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.

How to repay the loan more economically?

Compared with the two repayment methods, in the case of full repayment, the interest paid by "equal principal and interest repayment method" is higher than that paid by "average principal repayment method".

But not everyone should choose the "average capital repayment method" to repay the loan, but also combine their own financial situation.

For people with diversified incomes, the "average capital repayment method" can be adopted;

If the cash strength is relatively strong, but there is no willingness to repay the loan in advance, the "average capital repayment method" can be used to repay the loan. As time goes on, the repayment of each installment will gradually decrease. Although this repayment method has great pressure on funds in the early stage, it can alleviate the pressure in the future.

If you are a civil servant, an ordinary teacher, an ordinary scientific researcher, or you have a stable job or want a simple life, it is recommended to choose the "equal principal and interest repayment method" because this repayment method is conducive to better arranging your life in advance.

In addition, remember that if you want to repay the loan in advance, the interest paid will not be refunded. Friends who want to repay the loan in advance should comprehensively consider the amount of principal and interest that needs to be repaid in one lump sum, and then choose the "average principal repayment method" or "equal principal repayment method".

In addition, friends who want to repay the loan in advance should also consider the opportunity cost of repaying the loan in advance.

Why did you receive a loan text message?

Receiving consumer finance SMS may be due to user registration, browsing loan platform, loan expiration, platform dunning, loan emergency contact or personal information disclosure.

First of all, the reasons for receiving consumer finance information

1. There is no lending behavior.

Customers have logged on some loan platform websites before surfing the Internet, or paid attention to the advertisements of loan platforms. Therefore, it became the target customer of the platform and was sent many short messages recommending loans. 2. Borrowing behavior.

The platform reminds customers not to forget to repay. Of course, it is also possible that the customer owes money after borrowing money, and the platform sends a text message for dunning.

For some malicious overdue users, the relevant lending institutions/platforms will take some repayment methods, such as sending text messages and making phone calls. , but learn to distinguish the authenticity of the repayment message received.

3. Other circumstances

(1) Some relatives and friends borrowed money, and then regarded the customer as the emergency contact person for their loan, leaving the contact information of the customer. The loan platform can't contact each other, so it naturally finds customers.

(2) The customer's personal identity information was leaked, stolen by criminals and defrauded. The other party did not return the money after borrowing it, and the platform found the customer according to the information left by the other party. In this case, the customer can make it clear to the platform without having to bear the repayment responsibility. Second, how to prevent it

1. Don't tell anyone your ID number, bank code and bank card password anytime and anywhere.

2. When you can't tell whether the text message is true or false, you should call the bank's enquiry number at the first time.

Note: don't call the number left in the text message first!

3. Don't call back with your mobile phone. You'd better find a landline to call back.

4. The best way is to ignore some unfamiliar short messages that are completely unrecognizable.

If you are cheated, please report it immediately.

6. Don't talk to strange text messages-don't believe, don't be greedy, don't reply, this is the killer to deal with text messages.

In short, when you receive a loan message, you should first identify the authenticity of the content and be alert to some messages that need links/credit. Of course, users still need to repay in time, maintain good repayment habits, and reduce the probability of receiving such short messages.

Where is the notice message of consumer finance filing?

1. In general, the notice of filing a case will not be notified by SMS, but in written form. Therefore, after receiving a similar message, users can check it if they are not sure whether it is true or not.

2. Generally speaking, it is mainly the collection of loan platforms or similar short messages sent by third-party collection companies, in order to urge users to repay as soon as possible.

What is the impact of evading debts and maliciously overdue loans?

1. It will be recorded in the credit report.

2. Other channels will also have overdue repayment records.

For example, for users who evade debts, the local mutual fund association will also release information in the official and play it in turn.

3, affect the follow-up consultation application

Users should deal with overdue loan platforms as soon as possible. The longer loans overdue time, the more accumulated penalty interest.

Is it true to apply for a loan by SMS?

It is untrue to apply for a loan by SMS. Even for online loans, users need to fill in personal basic identity information, and then after system evaluation, the system gives the credit line before users can apply for loans. Users only reply to text messages and cannot apply for loans directly. Answering a text message can only tell the lending institution that you have a loan demand, and then a credit loan specialist may contact the user.

Therefore, please apply for loans through genuine channels, and don't reply to short messages or click unfamiliar links in short messages easily to avoid being cheated. Moreover, the real loan needs to be applied according to the process, and it is impossible to apply for a loan through SMS. Users can apply for loans through official channels if they encounter loan advertisement messages.

Users can avoid many risks by looking for genuine loans when applying for loans. Bad loans are often applied through improper loans, so users may suffer property losses.

What happened when I received the loan text message from China Agricultural Bank?

95599 is the official customer service phone number of ABC. However, the SMS is sent by a pseudo base station, and the customer service number mentioned in the SMS is not the official customer service phone number of ABC. So don't believe it, pay attention to the security of personal account information. You can call the police if necessary.

There are three possibilities for receiving spam:

First, I accidentally registered this platform and entered my mobile phone number, and I will continue to receive advertising information about borrowing.

Second, someone else stole this mobile phone number and registered this loan platform.

Third, this is a marketing strategy, the so-called "casting a wide net and fishing carefully".

Extended data:

Special rectification of harassing calls

In the governance of spam messages, the three major operators have been repeatedly found by the media to make profits by using spam messages, and this laissez-faire attitude has been repeatedly criticized.

So is harassing phone calls. For example, CCTV Finance "Economic Half-hour" reported earlier that for group call harassing calls, operators can judge whether it is harassment according to how many numbers are called out in one minute. It is not difficult to supervise and shut down, but there is a chain of interests behind group calls, harassing telephone operators to earn 5 or 6 cents per minute.

It is precisely considering the importance of the role of operators and the possible interference of harassing telephone interest chains to operators. The "Proposal" puts strict control of harassing phone channels in the first place, requiring telecom enterprises to "who is responsible for access".

In other words, operators should strictly examine user qualifications. For example, in the number section of "95, 96, 400" which is the hardest hit area, if the threshold for approval and issuance is deliberately lowered to open the door for harassing enterprises, or if there is insufficient disciplinary effect on individuals and enterprise users who make harassing calls, then operators will bear the responsibility in the subsequent special rectification.