106980095533 sent a text message today. Hello, China Construction Bank! As a quality customer of CCB, we will grant you a credit card of 220,000 yuan in advance.

This is the marketing information of microfinance. It may not be sent to you by the bank. After contact, you will be asked to apply for a loan or credit card. Ignore it.

Why do you always receive marketing messages?

First, most of these short messages are not formal platforms.

Second, this kind of short message just wants to attract people and get a group of accurate users. As for whether to lend you money, it depends on your qualifications.

This is why many people receive similar short-term interest rates, but their applications for loans are directly rejected.

Third, of course, it is not all fools to receive similar qualified text messages. Most of the text messages sent by platforms that have traded are true.

Bank loan process

1. Borrower's application for loan: when filling in the loan application form, basic information such as loan purpose, loan amount, personal property status (enterprise: company operation status), service period, selected loan type, collateral, repayment ability, etc. It should be explained.

2. Submission of loan information: here, relevant information is mainly submitted according to the loan type and the requirements of the bank, including the borrower's certificate information, income proof information, credit status information, collateral information and guarantee information. Loan use information, etc.

3. The bank conducts loan investigation: After receiving the application, the bank begins to conduct a basic investigation on the borrower's loan situation. In principle, it depends on the borrower's willingness and ability to repay, and on this basis, the loan risk is evaluated. And whether the financing industry involved meets the national requirements.

4. Handling relevant formalities: This mainly means that mortgage loans need to go through the formalities of collateral value evaluation, which is evaluated by an evaluation agency recognized by the bank, which will issue a value evaluation report and submit it to the bank for approval.

5. After approval, sign the contract face to face: after approval, the loan can be signed after the bank has sufficient funds and the approval of the corresponding bank management department. If it is a mortgage loan, you need to go through the relevant mortgage registration procedures.

6. When the general credit line is sufficient, banks will lend faster. But when the credit line is tight, we must wait patiently. How long does it usually take to approve a bank mortgage? The approval time varies from bank to bank and from time to time. For example, ICBC's mortgage approval time is generally 2-3 weeks, and 2-3 months is also acceptable when it is slow. The specific time is related to whether the submitted materials are complete, whether the bank loan amount is sufficient, and the policy at that time.