Why is there no SMS notification for offline loans?

Why do offline loans need guarantors? Why are offline loans easy to pass?

Loan platforms are generally divided into online and offline. Many people think that offline loans will be faster and the loan amount will be higher. Actually, it depends on what platform it is. So, why do offline loans need guarantors? This is a guarantee. If you can't contact the borrower, contact the guarantor.

Why do offline loans need guarantors?

When a user applies for a loan offline, the financial institution requires the user to provide a guarantor, which may be because the user applies for a secured loan, or the applicant's credit qualification is average, and a guarantor must be added to pass the examination. Therefore, when applying for loans, financial institutions require users to provide guarantors, and users cannot refuse. If he refuses, he will not pass the loan review.

Or users can choose to negotiate with financial institutions, such as reducing the loan amount and submitting additional financial certificates, so that it is possible to apply for a loan without providing a guarantor.

Why is there no SMS notification for offline loans?

There is no SMS notification for offline loans, because financial institutions do not provide SMS reminder service. Users can call the customer service hotline of financial institutions directly, or check the loan status through APP, so that they can know whether the loan application is successful. If the loan is successful, it is possible for financial institutions to send text messages to inform users.

In short, the success of the loan is based on the successful arrival of the loan funds, and the loan is successful only when the loan funds arrive.

Why are offline loans easy to pass?

Users think that offline loans are easier to pass, on the one hand, because the loan materials are fully prepared, and on the other hand, the loan specialist tells users how to apply for loans, so the whole process is smoother, so the pass rate will be higher. Moreover, before applying for a loan, the loan specialist will evaluate whether the user can pass the audit, and most users who have submitted the loan application can pass the audit.

The loan specialist will recommend users to apply for other loans or inform users that they cannot apply for loans this time.

Formal bank loan application, no other online loan can be notified offline?

Yes There is no SMS notification for offline loans, because financial institutions do not provide SMS reminder service. Users can call the customer service hotline of financial institutions directly, or check the loan status through APP, so that they can know whether the loan application is successful.

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.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.

Why didn't the bank inform me when the loan came down?

1. The text message from the bank hasn't been sent yet. It is estimated that we will get the news soon.

If there is no news in two days or so, I suggest you go to the bank staff.

3. Some information is blocked, so you can open the spam messages on your mobile phone.

Of course, some banks will delay the notice for several days after lending. Therefore, for specific reasons, the lender can consult the manual customer service of the loan bank.

Is there a SMS notification when the mortgage is approved? If you open it, you will be notified by SMS. If it is not opened, there will be no SMS notification. If there is no SMS notification, the reasons are as follows:

First, the short message from the bank hasn't been sent yet. It is estimated that we will get the news soon.

Second, if there is no news in two days or so, I suggest you go to the bank staff as well.

Third, some information is blocked, so you can open the spam messages on your mobile phone. How long will it take for the bank to receive the loan? Banks generally notify lenders to accept loans within 15 working days. However, there are some differences in the arrival time of each bank. Users can call the bank or pay attention to the balance in the card. If you apply for a mortgage, there will be a short message after the loan is released to let the user know the next payment of the mortgage.

The sudden withdrawal of loans may be a temporary adjustment of lending institutions. When the loan funds are recovered, there will be two situations, one is that the lending institution reissues the funds, and the other is that the loan page directly shows that the loan failed. To reissue funds, users only need to wait for the funds to arrive. And it shows that the loan failed, indicating that the loan application failed. Generally speaking, it is rare to suddenly recover the loan. In this case, please contact the customer service of the lending institution.

It takes about 10-30 days from mortgage registration to lending, depending on the time for mortgage registration by the Housing Authority and the speed of bank approval procedures. If it is an existing house, it may take a week. In addition, the house used as mortgage also needs to be evaluated, after which the bank will evaluate the amount and duration of the application, then register the mortgage and then lend.