What should I do if I keep receiving loan information on my mobile phone?

If your mobile phone frequently receives various loan text messages, you can have the following solutions:

1. You can set up text messages on your mobile phone, choose to intercept information, and turn on "Smart Interception" function, you can eliminate some advertising text messages, etc.

2. You can add the number that sends text messages to the blacklist and manually add the numbers or words that need to be blocked.

3. You can complain to the operator.

4. You can download Mobile Phone Manager to intercept some spam text messages.

5. When downloading and logging into some apps, be careful not to leave your mobile phone number frequently to prevent information leakage.

Bank loan refers to an economic behavior in which a bank lends funds to those in need of funds at a certain interest rate in accordance with national policies and agrees to return them within a time limit.

Bank loans generally require guarantees, house mortgages, proof of income, and good personal credit before you can apply.

Credit conditions

1. Credit limit

The credit limit is the maximum amount of money that the borrower is allowed to borrow as stipulated in the agreement between the borrower and the bank.

2. Revolving credit agreement

A revolving credit agreement is a bank's legal commitment to provide a loan agreement to an enterprise not exceeding a certain maximum limit.

3. Compensatory balance

The compensatory balance is calculated by the bank requiring the borrower to maintain a certain percentage (generally 10% to 20%) of the loan limit or actual borrowing amount in the bank. minimum deposit balance.

Home loan, also known as home mortgage loan. A home loan is when a home buyer fills out an application for a home mortgage loan to the bank and provides legal documents such as ID card, income certificate, house sales contract, letter of guarantee, etc. that must be submitted. The bank will make a commitment to the home buyer after passing the review. Grant loans, and handle real estate mortgage registration and notarization based on the house sales contract provided by the home buyer and the mortgage loan contract signed between the bank and the home buyer. The bank will directly transfer the loaned funds to the house selling unit within the period specified in the contract. on the bank's account.

How to repay a loan more economically?

Compared with the two repayment methods, under the condition of full period repayment, the interest to be paid is higher under the "equal principal and interest repayment method" In the "equal principal repayment method".

But not all people should choose the "equal principal repayment method" to repay their loans, and it must be based on their own financial situation.

For people with high salaries and people with diversified incomes, the "equal principal repayment method" can be used;

If you have strong cash strength but no willingness to repay in advance, You can use the "equal principal repayment method" to repay the loan. As time goes by, the repayment in each period gradually decreases. Although this repayment method has greater financial pressure in the early stage, it can reduce future pressure.

If you are a civil servant, an ordinary teacher, an ordinary researcher, or you have a stable job, or you want a simple life, it is recommended to choose the "equal principal and interest repayment method", because in this repayment method, the repayment amount in each period is equal. It is helpful to better arrange your life in advance.

In addition, remember that if you want to repay the loan early, the interest paid is not refundable. If you plan to repay the loan early, you must consider the repayment of principal and interest and the need to repay the principal in one lump sum when repaying the loan early. After adding up the total amount, you can choose between "equal principal repayment method" or "equal principal and interest repayment method".

In addition, friends who want to repay their loans early should also consider the opportunity cost of repaying their loans early.