What should I do if I often receive text messages about loans?

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 registration and notarization of real estate mortgage 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 high salaries and 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 has the same repayment amount in each installment, which 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.