Is the latest bank lending text message true?

1. ABC sent me a short message. Does this mean that the loan is down?

It came down. You can check the accounts.

2. Have you received the short message about mortgage loan from Agricultural Bank of China? Has the loan been completed?

Received a short message of bank mortgage loan, showing that the bank has completed all approval procedures and issued loans to real estate developers. Your loan has been completed, and you need to repay the bank in full and on time from next month. : the process of housing loan 1 When choosing mortgage to buy a house, property buyers must provide the following information to the bank (loan bank) that provides mortgage: (1) legal and valid identification. (2) proof of fixed economic income. (3) The original commercial housing sales contract witnessed by the real estate management department. (4) Other documents required by the lending bank. 2. The bank examines the authenticity, reliability and legality of the information provided by the buyer. After passing the examination, the lender, the developer and the buyer shall sign the Real Estate Mortgage (Pledge) Contract and the House Mortgage Loan Contract (this contract shall be notarized or witnessed by a lawyer, and the expenses arising therefrom shall be borne by the buyer), and the three parties shall jointly go to the real estate management department to register the house mortgage (pledge). 3. The buyer shall submit the following documents: (1) the original commercial house sales contract witnessed by the real estate management department. (2) a copy of the identity certificate. (3) The corresponding effective housing mortgage loan contract. (4) The mortgage application form and the original mortgage contract. (5) If others are entrusted to register on their behalf, the original valid power of attorney shall be submitted. 4. Buyers must fulfill the following obligations: (1) Submit the real estate mortgage registration certificate and the original contract to the loan bank for safekeeping. (2) After the delivery of the auction house, the house transfer formalities shall be completed within three months, and the land use certificate, house ownership certificate and house ownership certificate shall be obtained, and the three certificates shall be directly kept by the loan bank (the developer's guarantee responsibility shall be relieved at this time). (3) Insure the mortgaged property at its own expense, with the insurance period not shorter than the mortgage period and the insurance amount not lower than the total value of the mortgaged property, and hand over the insurance policy to the lending bank with the loan as the first beneficiary. (4) Without the written consent of the lending bank, the buyer shall not lease, sell, dismantle, rebuild, remortgage or otherwise dispose of the mortgaged property. (5) repay the principal and interest on time every month; If it is overdue, it will be fined according to the number of days. (6) After all the loan principal and interest, fines and expenses should be repaid, the lender and the lender should cancel the mortgage registration with the original mortgage registration authority and recover the land use certificate, house ownership certificate and insurance policy. 5. Repayment time and method (1) Repayment time: If the loan undertaking bank is ICBC, the borrower shall repay the loan in the following month; if the loan is completed on the 6th of this month, the borrower shall repay the loan on the 6th of the following month; If the loan undertaking bank is another bank, the borrower shall repay the loan on June 5438+05 of the following month. (2) Repayment method: The borrower opens a savings passbook in the loan undertaking bank and repays the loan by bank withholding. The borrower shall ensure that the savings passbook account has sufficient funds before the repayment date of each month.

Third, ABC received a text message saying that overdue deduction would affect personal credit information.

It will affect it. There is no grace period for ABC's mortgage repayment, and it will be overdue as long as it is one day late. And bank loans, as long as overdue, will be credited. After the overdue mortgage record is recorded, it has a great impact on users. However, if the user settles the overdue debt soon after the overdue, the negative impact of overdue records can be reduced. The longer the overdue period, the greater the negative impact on credit reporting, and the stricter the subsequent review of credit reporting applications.

Definition of personal loan:

Personal loan, also known as retail loan business, has become an important loan business after decades of development. Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

Definition of overdue loans:

Loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to repay the principal and interest of the loan to the bank that issued the loan according to the loan term agreed in the loan contract, and fails to go through the relevant extension or lending procedures, resulting in the loan exceeding the agreed term.

Definition of credit report:

Credit Pinyin is ZHNGXIN, which means collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.

Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to share credit information.

The bank sent a message that the mortgage has been successfully issued. Do you want to wait for the bank to call?

After the bank loan is issued, it means that the loan contract has come into effect, which mainly means that the borrower repays the loan on time according to the contract. If SMS notification is enabled, banks will send SMS notification before the repayment date, and most banks will not call to notify repayment.

1. Some banks, such as Bank of China, take the specified date as the repayment date. If the month is less than one month, it will be collected together with next month. Suppose the loan is released on August 15, and their repayment date is 1, then there is no deduction on September 1, 10.

2. Some banks, such as Industrial and Commercial Bank of China, take the specified date as the repayment date, and deduct money in the current month if it is less than one month, so that the first monthly payment deducted in the current month will be less than one month, which will be less than the subsequent monthly payment.

3. Most banks deduct the monthly payment according to the date of lending, which solves the problem of insufficient or excessive monthly payment in the first phase. However, many banks will deduct the first monthly payment when lending money, such as deposit and loan pass, fund and loan stamp duty. To sum up, in order to avoid insufficient monthly payment, they should deposit more or save enough for two months after bank deduction.