Is there any SMS notification after the bank mortgage payment?

There is a SMS notification after the bank mortgage payment. And in the short message, you can see the specific repayment date and repayment amount. In order to avoid overdue, you need to operate in time according to the prompt of SMS, take the initiative to repay before the specified time or keep enough repayment funds in the repayment account so that the bank can automatically deduct money. After paying the mortgage, remember to repay it in full and on time as agreed. Once overdue, you need to bear the following overdue consequences.

Matters needing attention in applying for bank mortgage

1. When making a loan, you need to know the repayment method of the bank first and make a choice according to the actual situation. At present, there are two main types: equal principal and interest and average capital. In the former way, the interest rate is lower, but the monthly mortgage is higher, and the buyers are under great economic pressure. In the latter way, the interest rate is higher, but the monthly mortgage pressure of buyers is less.

2. If you choose a provident fund loan, don't withdraw the money from your personal account before preparing your application. When there is no balance in the account, it means that the provident fund has no loan amount and the mortgage cannot be handled. Because only after the mortgage has been paid off for one year can you apply for partial repayment in advance, so the loan cannot be repaid in advance within one year. However, this loan method can only meet the requirements if the provident fund is paid continuously 13 months.

3. Before buying a house loan, you must increase the down payment. According to the relevant real estate policies, the down payment of this suite is not less than 30% of the total house price, and the down payment of the second suite is not less than 40% of the total house price. At the same time, we need to consider the loan interest rate, that is, prepare more money.

4. Let the unit issue a good income certificate to handle the loan business in the bank. The income of buyers is twice that of mortgages, and it is easier to pass the mortgage review. At the same time, we should also keep all payment invoices, such as down payment, loans and other invoices, which are required when handling housing property rights.

5. The house loan is fully paid off, and the buyers should remember to go to the bank to cancel the mortgage. At that time, the staff will issue relevant certification materials, and then go directly to the counter of the relevant real estate department to cancel the mortgage.