Will China Construction Bank send a text message to inform you of the zero-hour limit repayment?

1. Will China Construction Bank send a text message to inform you of the zero-time line repayment?

It doesn't matter. Withdrawal has nothing to do with your use of temporary line. Everything is the same. It will also increase the amount.

Second, the Construction Bank renovated loans overdue without SMS notification.

There is no bound mobile phone. Because the mobile phone was not bound when CCB renovated the loan, there was no SMS to inform the repayment tone. Banks are legally established financial institutions engaged in monetary and credit business, and are the product of the development of commodity monetary economy to a certain stage.

3. Is there a penalty for prepayment of the renovation loan of CCB?

Legal subjectivity:

Hello, generally speaking, you need to make an appointment with the bank before prepayment. For details, you can consult the relevant policies of the loan bank. Check the requirements of prepayment in the loan contract, and pay attention to whether it is necessary to pay attention to the application time, minimum repayment amount and other information requirements that need to be prepared. Go to the relevant departments and personally bring the relevant documents to the borrowing bank to handle the relevant procedures for early repayment. Step 5: Just deposit the money returned in advance. Precautions for repaying the loan in advance: Don't forget to make an appointment with the bank to repay the mortgage in advance, and the waiting time can be as long as one month. At present, most banks will make temporary inquiries before going through the formalities. The bank's restrictions on the number of prepayment within one year and the minimum repayment amount each time are the answers to how CCB calculates the liquidated damages for prepayment.

law

Article 42 of the Commercial Bank Law, the borrower shall repay the loan principal and interest on schedule. If the borrower fails to repay the secured loan at maturity, the commercial bank has the right to pay interest on the collateral or give priority to compensation according to law. Commercial banks should be punished within two years from the date of obtaining mortgage or owner's rights and interests. If the borrower fails to repay the credit loan at maturity, it shall bear the responsibility in accordance with the contract. Commercial banking law should conclude a written contract with the borrower. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.

4. Will CCB notify you by SMS when applying for prepayment of decoration loan?

No, you need to apply in the bank in advance.

If the home improvement loan of China Construction Bank is settled in advance, it is necessary to apply to China Construction Bank for repayment in advance, and repay it at the designated accounting counter after the approval of China Construction Bank.

In order to settle all the loans in advance, the borrower can take his valid ID card and the loan settlement certificate issued by the bank, get back the legal documents and relevant supporting documents taken by the bank, and then go through the mortgage registration cancellation formalities with the mortgage registration department with the loan settlement certificate, thus completing the whole loan process.