Is there a SMS notification for the next mortgage repayment?

There will be a text message to inform you of the next mortgage repayment. In related messages, customers can see the specific repayment date and repayment amount. In order to avoid overdue, customers need to operate in time according to the SMS prompt, take the initiative to repay before the specified time or keep enough repayment funds in the repayment account so that the bank can automatically deduct money.

After the mortgage payment, the customer should remember to repay in full and on time as agreed. Once overdue, it will bear the following overdue consequences:

1, credit will be hurt.

It will be collected by the bank.

3. There will be penalty interest.

4. The mortgage contract will be terminated early.

The mortgaged house will be disposed of.

6. Affect other loan applications.

7. Occupation is affected by credit information damage.

8. Will be blacklisted.

9. Malicious overdue will be prosecuted by the platform.

10, unable to enjoy preferential loan policy.

If the mortgaged house is disposed of by the bank, the funds obtained are not enough to repay the loan, and the customer needs to make up the insufficient part, then it is not a good choice for the bank to recover the house after the mortgage is overdue in any way.

If the mortgage hasn't come down, do you want to quit?

It's best not to leave your job until you pay off the mortgage. The mortgage that the customer applied for has not been repaid, and there are still some variables. After the customer leaves his job, his income, social security payment and provident fund payment will be interrupted. Once the bank finds this in the process of mortgage review, it will doubt the repayment ability of customers and may affect the payment of mortgage.

Our bank's review of mortgage loans is relatively strict, requiring customers to have the following qualifications:

1, good credit.

2. Stable income.

3. The debt ratio is not high.

4. The age meets the requirements.

5. The down payment was paid as required.

If the mortgage is refused because of the customer's own reasons, then the customer needs to raise enough repayment funds within the specified time, otherwise the developer will hold the customer liable for breach of contract, and the deposit paid by the customer may not be refunded.

Therefore, before formally applying for a mortgage, customers can prepare their own materials, go to the bank for consultation, and see if their qualifications can apply for a mortgage, and how many mortgages they can apply for, so that they can act after knowing fairly well.