After the loan is paid off, I will send a text message to inform you that the repayment is successful.

Hello! What needs your attention is that this may be a short message, and scammers sometimes send it to you as bank staff. So I suggest you go to the bank counter or call the bank customer service first, and confirm with the staff first.

What is the short message of CCB loan?

When the funds in your debit account are insufficient, send a text message to your mobile phone five days in advance: Dear XXX, your loan account in CCB XXXX will be debited before 20 1X, and the repayment amount will be XXXX. Please deposit it into the debit account in time. [China Construction Bank] 95533 Send this for free, and it's ok after handling the loan. If you open the SMS reminder service, you will receive a short message after deduction: your account with the suffix XXXX will spend XXXX. 20 1X year XX month XX day XX yuan, the transaction is to recover the loan principal and interest. This is the charging service 95533 or/kloc-0 106XXXX95533 (the sending number varies from place to place). The format is as follows.

Relevant provisions of China Construction Bank on individual housing loans:

Repayment method: If the loan term is within 1 year (including 1 year), the repayment method of one-time repayment of principal and interest shall be implemented; If the loan term is greater than 1 year, the repayment method of equal principal and interest and average capital can be adopted.

Loan guarantee: mortgage, pledge, guarantee, mortgage plus phased guarantee, etc. , and can use one or more loan guarantees.

Materials to be submitted when applying for a loan:

(1) ID card;

(2) Proof of the borrower's repayment ability;

(3) Legal and effective purchase (construction or overhaul) contracts, agreements or (and) other approval documents;

(4) proof of down payment;

(5) loan guarantee materials;

(6) Other documents and materials required by the lending bank.

Treatment process

1. loan application: the customer fills in and submits the application form and application materials designated by CCB.

2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.

3. Loan approval: CCB conducts loan approval.

4. Signing a contract: After the customer's loan is approved, sign a loan contract with CCB.

5. Loan issuance: CCB will issue loans after meeting the requirements.

6. Customer repayment: the customer repays the loan on time as agreed.

7. loan settlement.

There will always be a short message on the mobile phone that the loan is successful. What happened?

There are usually three possibilities:

First, you accidentally registered this platform, entered your mobile phone number, and he will send you the advertising information of the loan.

Second, someone else registered this loan platform with your mobile phone number, or used your mobile phone number as a contact person.

Third, this is a marketing strategy, the so-called "net fishing".

In this case, I suggest you call the customer service phone of this platform as soon as possible for verification. If you accidentally register, ask him to delete or remove this mobile phone binding. If it is a marketing strategy, it can also explain the situation. If you still receive this harassing message, you can join the blacklist and report it as a harassing phone call.

Extended data

In the governance of spam messages, the three major operators have been repeatedly found by the media to make profits by using spam messages, and this laissez-faire attitude has been repeatedly criticized.

So is harassing phone calls. For example, CCTV Finance "Economic Half-hour" reported earlier that for group call harassing calls, operators can judge whether it is harassment according to how many numbers are called out in one minute. It is not difficult to supervise and shut down, but there is a chain of interests behind group calls, harassing telephone operators to earn 5 or 6 cents per minute.

It is precisely considering the importance of the role of operators and the possible interference of harassing telephone interest chains to operators. The "Proposal" puts strict control of harassing phone channels in the first place, requiring telecom enterprises to "who is responsible for access".

In other words, operators should strictly examine user qualifications. For example, in the number section of "95, 96, 400" which is the hardest hit area, if the threshold for approval and issuance is deliberately lowered to open the door for harassing enterprises, or if there is insufficient disciplinary effect on individuals and enterprise users who make harassing calls, then operators will bear the responsibility in the subsequent special rectification.