Is there a SMS notification for mortgage deduction?

there are SMS reminders for mortgage. Usually, the borrower needs to open the repayment SMS reminder service when handling the mortgage. In this way, there will be SMS reminders every month when repayment is made. If it didn't open at that time, you can also go to the bank later.

SMS reminder method for mortgage opening:

1. When the bank counter is open, you can ask the staff to open an account for you.

2. the customer service of the bank is opened. Call the customer service phone of the mortgage bank to apply for opening.

3. The mobile banking APP has been opened, and now many bank mobile apps can open SMS reminder service.

4. through opening personal online banking, log in to the personal online banking of the loan bank and find the SMS reminder service. Whether the mortgage has a grace period

Whether the mortgage has a grace period mainly depends on the regulations of the bank you loan. Most banks have a certain grace period for housing loans. However, the grace period may vary with bank loans. The grace period is basically between three and five days, and the longest will not exceed ten days. Of course, the specific amount depends on the contract, so if you want to know whether there is a grace period for your mortgage and how many days there is, you can check the relevant provisions of the contract.

if your mortgage has a grace period, the repayment within the grace period will not be considered overdue. However, it should also be noted that some banks do not have a grace period, so they must pay off last month's mortgage before the repayment date (inclusive), otherwise they will leave a bad record of overdue.

how to deal with overdue mortgage

overdue is divided into three types: overdue within three months, overdue with false information and overdue for more than three months. The specific measures that users should take are as follows:

1. If the overdue period is more than one month, take the initiative to call the bank to explain the reasons and request the bank to issue a non-malicious overdue certificate. If there are non-malicious overdue vouchers, it will not affect the application for loans in the future.

2. If the time limit is overdue due to false information, you can raise an objection to the local people's bank. The results can be obtained within 15 working days from the date of initiation. If the bad record is eliminated, you can apply for a loan immediately.

3. If the overdue record is more than three months and the principal and overdue fine have been paid, it is necessary to maintain good credit habits on the repayment date. If the credit card is overdue, please do not cancel it. It takes two years to buy a house, otherwise you can't borrow money to buy a house in your own name.