What does loan reversal status mean?

Youxiangdai has passed the preliminary review, but the check status shows that it has been revoked.

There is a problem with the user's credit report.

The fact that Youxiangdai has passed the preliminary review and then shows that it has been canceled means that there is a problem with the user's credit report or the customer's debt ratio is too high, so the platform canceled the loan.

Postal Savings Bank of China is a personal-limit RMB consumer loan issued to natural persons by the Postal Savings Bank of China for a variety of legal consumption purposes, covering Postal Savings Dai-Xinke Exclusive, Postal Savings Dai-Youxian Service models such as customer privilege, postal loan-high-quality premium, etc. It can be used for the borrower's legitimate consumption purposes such as home decoration, car purchase, travel, and furniture purchase. It cannot be used for the purchase of housing, production and operations (including the purchase of business buildings and commercial vehicles), equity investment (including but not limited to: registered capital , stocks, futures, financial derivatives, securities investment funds) and other uses prohibited or restricted by laws and regulations. What does it mean that the postal loan status has been cancelled?

The successful withdrawal of Postal Savings Bank credit card means that the credit card is bound to a certain business, and then the customer actively cancels the business. It is recommended to call the postal savings bank customer service for consultation.

The Postal Savings Bank credit card text message prompts the withdrawal in the following situations:

1. Newly applied for a Postal Bank credit card, and the customer cancels the application during the application process.

2. The credit card signed a bank card automatic repayment agreement, and the customer voluntarily canceled the withholding and repayment.

3. The credit card has signed a contract for SMS notification of balance changes, and the customer cancels the SMS notification agreement.

4. The credit card applied for bill installment, but the customer canceled the installment business before it officially took effect.

How to cancel the postal SMS reminder service?

There are three methods:

1. You can use the mobile phone bound to the bank card, edit the text message "QX" and send it to 11185 to cancel the service.

2. Call customer service at 95580 to cancel the SMS notification service.

3. Go to the local Postal Savings Bank with your ID card to cancel the SMS service.

SMS banking refers to the electronic banking business in which customers edit and send text messages in a specific format to the bank's SMS service number. The bank handles relevant business for the customer in accordance with the customer's instructions and notifies the customer of the transaction results by SMS.

Main functions:

Provide customers with functions such as balance inquiry, detailed inquiry, account management, green card account management, and account loss reporting.

The SMS reminder service for bank card cancellation is a contract business, and the cardholder needs to bring his ID card and bank card to the card-issuing bank to handle it.

The specific process is as follows:

① With the assistance of the bank lobby staff, copy your ID card and queue up to get your number.

② Fill out an application form for business processing, select "SMS Reminder" in the column of the business to be canceled, and attach the mobile phone number bound to the original SMS reminder business. (If you have questions about other items in the application form, you can refer to the template provided by the bank, or you can consult the bank lobby manager.)

③ After the number is called, submit the bank card, original ID card, and copy of the ID card. , deliver the business application form to the counter staff to cancel the SMS reminder service. Mercedes Benz application status has been withdrawn. What does the Mercedes Benz loan application status withdrawn mean? Please help?

It means that the 4S store has withdrawn your loan, which means you have given up. If you still want to do it, you need to reapply, or you can do other finance. After all, there are many financial companies, and as long as there is no problem with your personal credit report, you can basically do it. It may be that the loan has been canceled due to the lending bank. What does this mean?

This loan has been canceled due to the lending bank. This means that the loan you applied for has been canceled because the lending bank failed to approve it.

Bank lending is like this.

Bank loan process

1. Customer application. The customer applies to the bank, fills in the application form in writing, and submits relevant information. It should be noted here that in addition to applying for rural small loans, relevant information must be provided when applying for other types of loans.

Mainly include: basic information of the borrower and guarantor. Correction of original unreasonably occupied loans. Collateral, list of pledged properties, proof of consent of the person with the right to dispose of the property, and proof of the guarantor’s intention to agree to the guarantee. Other relevant information, etc.

2. Sign the contract. After the bank reviews the application materials submitted by the borrower, the two parties sign a loan contract and a guarantee contract, and the bank evaluates the applicant's credit rating. Handle relevant notarization, mortgage registration procedures, etc. as appropriate.

3. Grant loans. After obtaining the mortgage certificate, if the loan is approved by the bank and all procedures are completed, the bank will directly transfer it to the borrower's transaction partner or issue it to the borrower by transfer according to the contract, and the borrower will pay the transaction partner.

4. Post-loan inspection. Conduct follow-up investigations and inspections on the borrower's execution of the loan contract and the borrower's operating conditions.

5. Repay the loan on schedule. The borrower repays the principal and interest of the loan according to the repayment plan and repayment method stipulated in the loan contract. During the repayment period stipulated in the loan contract, the borrower's repayment date can be extended for 10 natural days based on the agreed repayment date. If the loan is to be extended before the maturity date of the loan, the borrower needs to submit a loan extension application to the bank, and the bank decides whether to extend the loan.

1. How long does it take for the mortgage loan to be approved?

According to the current general market conditions, there are some differences in the approval procedures of various banks. However, the formal process from bank application to final approval takes 12 working days at the fastest, and the loan is released within 48 hours after approval. account. Because it involves evaluation, mortgage registration and other steps, each customer's situation will be different; for the specific loan disbursement time, review status, processing progress, whether it can be canceled and other related information, you can directly contact the handling outlet or loan account manager. confirm.

2. Bank borrowing process

1. Submit a personal loan application first;

2. After the bank accepts it, conduct the mortgage property Appraisal;

3. Conduct loan review based on the appraised value and information provided by the borrower;

4. After passing the review, go to a law firm to sign a loan contract and handle the mortgage of the real estate certificate at the same time Procedures;

5. Bank loan.

In summary, from the above content, we can know that the approval speed of home mortgage loans depends on the approval procedures of major banks. After all, the procedures of each bank are different. Generally, bank loans require applicants to fill in and submit an application form, and then the bank will accept the application, evaluate the property, and finally review the loan, sign a loan contract, and go through the mortgage procedures. This application process is relatively short, and everyone just needs to follow the steps.