The bank sent a message that the mortgage has been successfully issued. Should I wait until the bank calls?

After the bank SMS notification, the specific matters will be notified by the bank.

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, thus solving the problem of insufficient or excessive monthly payment in the first phase. However, many banks have additional services when lending, such as deposit and loan pass, fund and loan stamp duty, which will also be deducted from the first monthly payment. When you deduct money for the first time, in order to avoid insufficient monthly payment, you should save more or enough monthly payment for two months. If you think there is after the bank deducts money.

Bank loan process:

1. Preparation before loan: Applicants need to prepare personal ID card, household registration book, income certificate, marital status certificate and other materials, property certificate of collateral, personal credit record, etc.

2. Application: The applicant applies for a loan at the counter of the bank business hall, submits relevant materials as required, and fills in the loan application form.

3. Pre-loan approval: the applicant accepts the pre-loan review of the bank, mainly to check the personal debt and credit status, and will inform the applicant of the results after approval.

4. Sign a loan contract: If it is approved, the bank will sign a loan contract with the applicant to stipulate the loan term and interest rate. To apply for mortgage loan with collateral, mortgage registration is required.

5. Bank Lending: The bank will lend the loan to the applicant's personal account within the specified date, and the applicant will repay the loan on schedule.

Relevant provisions on bank loans:

1. Generally speaking, the loan term shall not exceed 30 years, and the loan maturity date shall not exceed the borrower's age (male) of 65 years and female (female) of 55 years;

2. The People's Bank of China determines the loan interest rate. Interest rate adjustment, if the loan term is less than one year, the contract interest rate will be implemented, and interest will not be calculated by stages; The term is greater than 1 year, and the new interest rate will be implemented early next year;

3. Note that there are two repayment methods: average capital and matching principal and interest, and buyers can choose freely. The principal is to repay the principal and interest every month, first more and then less; Repay the principal and interest on a monthly basis, with the monthly repayment amount unchanged (interest rate adjustment changes).