Successfully issued a loan by sending a text message.

The successful issuance of bank mortgage means that the loan contract takes effect. If SMS notification is enabled, banks will send SMS notification of repayment before the first repayment date (I don't know after the first notification, so remember the repayment date), and most banks will not call to inform repayment.

There are probably several situations in which banks deduct money:

The first is that some banks, such as China Industrial and Commercial Bank, take the specified date as the repayment date, and if the loan is less than one month, it will be collected together with the next month. Suppose 18 lends money in July, and their repayment date is 1 June, then 1 August will not be deducted, and the first payment will be deducted in September 1 year.

The second is that some banks, such as Agricultural Bank of China, take the specified date as the repayment date, but if the month is less than one month, they will also deduct the money in that month, so that the first monthly payment deducted in that month will be less than one month and will be less than the subsequent monthly payment.

The third is that most banks deduct the monthly payment on the corresponding day to solve the problem of insufficient or excessive monthly payment in the first phase.

According to the above three situations, in order to avoid insufficient monthly supply, you should save for more than two months. If you feel anything unusual after the bank deducts money, you can ask the bank to find out.

Extended data:

Classification of housing loans:

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans.

Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.

References:

Baidu encyclopedia mortgage