Loan lending SMS

What is the content of the bank lending message?

The specific content of the short message sent after the mortgage loan is:

(1) loan amount,

(2) the loan period,

(3) Monthly repayment, reminding timely repayment.

Mortgage loan refers to:

(1) Loan business by way of mortgage. For example, housing mortgage loan is a personal housing loan business in which buyers use the purchased housing as collateral and the real estate enterprises that purchase the housing provide regular guarantee.

(2) The so-called mortgage means that the mortgagor transfers the property rights to mortgage, and the beneficiary, as the repayment guarantor, immediately transfers the property rights involved to the mortgagor after the mortgagor pays off the loan, and the mortgagor enjoys the right to use in this process.

For mortgage loans, the bank will inform you by SMS or telephone. If it is a pure commercial loan to buy a house, after the bank approves it, the bank will lend directly if there is a quota. If it is a portfolio loan, it will also involve the amount of the provident fund center, and this time will be slower. The speed of lending is also closely related to whether the local real estate market is hot or not. For example, many people buy houses, especially those who buy houses together. At this time, it is easy for banks to have insufficient credit lines, so it may take more than half a year. According to the normal situation, commercial loans generally take about three months, and the provident fund can be lent in about half a year.

It is common for some banks to lend for three or four months. Bank loan procedures: 1. Loan application. If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1 Basic information of the borrower and guarantor; 2. The financial report of the previous year approved by the financial department or accounting and auditing firm, and the financial report of the previous period before applying for the loan; 3. Correct the original unreasonable loan; 4. List of collateral and pledge, certificate of consent of the mortgagee and pledge disposition, and relevant certification documents of guarantor's consent to guarantee; 5. Project proposal and feasibility report; 6. Other relevant materials deemed necessary by the lender. Second, banks are subject to censorship. 1 After receiving the loan application form and related materials submitted by the customer, the bank will verify the customer's situation and judge whether it has the conditions to establish a credit relationship according to the bank's loan conditions. 2. The borrower's credit rating evaluation. According to the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects and other factors, to assess the borrower's credit rating. Rating can be carried out by the lender independently and internally, or by an evaluation agency recognized by the competent department. 3 loan survey. After accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk. The examiner shall verify and evaluate the information provided by the investigators, retest the loan risk, put forward opinions and submit for approval according to the prescribed authority. The third is to sign a loan contract. After reviewing the loan application, the bank considers that the borrower meets the loan conditions and agrees to the loan, and signs a loan contract with the borrower. The loan contract shall stipulate the type, purpose, amount, interest rate, term and repayment method of the loan, the rights and obligations of the borrower and the borrower, the liability for breach of contract and other matters that both parties think need to be agreed.

Received a short message from ABC about mortgage loan. Has the loan been completed?

Received a short message from the bank about mortgage loan, indicating that the bank has completed all the examination and approval procedures and issued loans to real estate developers, and your loan has been completed.

The applied mortgage received a short message from the bank saying that it had been lent, and then it could be fulfilled according to the terms agreed in the loan contract.

After the loan to buy a house and the bank loan, the buyer should get:

House surveying and mapping fee receipt, appraisal fee receipt, deed tax ticket, maintenance fund receipt, transaction fee receipt, registration fee receipt, mortgage registration fee receipt, loan contract, repayment plan, etc. ;

The loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate, and guarantee company guarantee certificate.

Personal commercial housing loan process

I. Basic conditions

Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan.

The purchased commercial house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business operation.

A house purchase contract or agreement has been signed (hereinafter referred to as "house purchase contract"), and more than 40% of the house purchase price has been paid.

With the assets recognized by the loan bank as collateral, the present value of the house purchased is not less than RMB 300,000.

It is agreed to handle the bank card (discount) at the loan bank and entrust the loan bank to deduct the principal and interest of each loan.

Two, should provide the following information

Valid identity documents, proof of marital status and other necessary documents of the borrower and the mortgagor;

The real estate certificate of the mortgaged house and the certificate that the mortgaged property agrees to mortgage;

Letter of intent signed by the borrower, receipt of more than 30% of the purchase price or other supporting documents;

Other materials deemed necessary by the lender.

According to Article 11 of the Interim Measures for the Administration of Personal Loans, applying for personal loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

Received SMS notification of mortgage loan

Generally speaking, if the user receives the SMS notification of mortgage lending, he will generally lend money in the afternoon of the same day or the next afternoon. After the loan, the lender should pay attention to that it is best not to apply for any other loan within three months to avoid increasing the personal debt ratio and let the bank "lend first and then manage" users.

For mortgage loans, the bank will inform you by SMS or telephone.

If it is a pure commercial loan to buy a house, after the bank approves it, the bank will lend directly if there is a quota. If it is a portfolio loan, it will also involve the amount of the provident fund center, and this time will be slower.

The speed of lending is also closely related to whether the local real estate market is hot or not. For example, many people buy houses, especially those who buy houses together. At this time, it is easy for banks to have insufficient credit lines, so it may take more than half a year.

According to the normal situation, commercial loans generally take about three months, and the provident fund can be lent in about half a year.

After receiving the short message of mortgage loan, the customer only needs to wait for the bank to transfer the loan funds in the receiving bank card to the account designated by the real estate developer.

However, after the mortgage loan is transferred to the bank card under the customer's name, it will generally be transferred to the account designated by the developer immediately, and the mortgage will be completed after the real estate developer receives the remaining house payment. Next, the customer can repay the principal and interest of the mortgage on time and in installments according to the repayment plan agreed in the signed loan contract.

If the customer has paid the housing provident fund, he can also go to the provident fund to repay the loan, and use the balance of the provident fund account to offset the mortgage (you can apply for monthly payment, that is, deduct the corresponding amount from the provident fund account every month to repay the principal and interest due in the current month; You can also apply for an annual offset, that is, deduct the balance of the provident fund account once a year to offset the principal payable).

If the customer has sufficient funds in the later period, he can also make early repayment (it usually takes one year to repay on schedule before he can apply for early repayment, otherwise he may have to pay a certain penalty). After the mortgage is paid off, customers can go to the bank to issue a loan settlement certificate, get back their own warrants, and then go to the Housing Authority to understand the mortgage procedures.

What should I do after receiving the SMS notification of mortgage loan? These things need to be prepared in advance!

For most people in modern times, buying a house has become a necessity. Many people have saved money for several years and have to make up the down payment on their houses. But for ordinary families, if you want to buy a house, applying for a mortgage is an essential procedure. A friend asked, what should I do after receiving the SMS notification of mortgage?

What should I do after receiving the SMS notification of mortgage loan?

Generally speaking, if the user receives the SMS notification of mortgage lending, he will generally lend money in the afternoon of the same day or the next afternoon. After the loan, the lender should pay attention to that it is best not to apply for any other loan within three months to avoid increasing the personal debt ratio and let the bank "lend first and then manage" users.

In addition to avoiding applying for a loan within three months, the lender also needs to confirm whether the money is consistent with the contract and whether it has reached the account of the real estate developer. You need to check the repayment date again to see the details.

In addition, it should be noted that after lending, the bank will send the corresponding loan contract, repayment book and other materials to the lender, and the lender needs to pay attention to checking. If these materials are lost, the consequences will be serious, and it will be very difficult to reissue them. Finally, the lender needs to go to the developer to get the full invoice.

In addition, we need to remind everyone that after the mortgage is lifted, the lender needs to start repaying the monthly payment next month. The consequences of overdue mortgage are very serious, which will lead to high penalty interest, affect personal credit information and affect the lender's re-application for other credit business in the future.

Finally, it is necessary to provide it to everyone. After the mortgage registration formalities are completed in the bank, the lender should remember to go to the bank to retrieve the original title certificate.

The above is the related content sharing of "receiving the SMS notification of mortgage", and I hope it will help everyone!

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

If you apply for a commercial loan through our bank, you can check the loan situation through mobile banking. You didn't receive the text message because of the different business of branches around the country. Please consult the handling outlets for confirmation.

The above contents are for your reference. Please refer to the actual business regulations.

So much for the introduction of loans and lending SMS.