Is it illegal for an editor to borrow a short message?

What is the content of bank lending SMS?

The specific content of the short message sent after the mortgage loan is:

(1) loan amount,

(2) the loan period,

(3) Monthly repayment, reminding timely repayment.

Mortgage loan refers to:

(1) Loan business by way of mortgage. For example, housing mortgage loan is a personal housing loan business in which buyers use the purchased housing as collateral and the real estate enterprises that purchase the housing provide regular guarantee.

(2) The so-called mortgage means that the mortgagor transfers the property rights to mortgage, and the beneficiary, as the repayment guarantor, immediately transfers the property rights involved to the mortgagor after the mortgagor pays off the loan, and the mortgagor enjoys the right to use in this process.

For mortgage loans, the bank will inform you by SMS or telephone. If it is a pure commercial loan to buy a house, after the bank approves it, the bank will lend directly if there is a quota. If it is a portfolio loan, it will also involve the amount of the provident fund center, and this time will be slower. The speed of lending is also closely related to whether the local real estate market is hot or not. For example, many people buy houses, especially those who buy houses together. At this time, it is easy for banks to have insufficient credit lines, so it may take more than half a year. According to the normal situation, commercial loans generally take about three months, and the provident fund can be lent in about half a year.

It is common for some banks to lend for three or four months. Bank loan procedures: 1. Loan application. If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1 Basic information of the borrower and guarantor; 2. The financial report of the previous year approved by the financial department or accounting and auditing firm, and the financial report of the previous period before applying for the loan; 3. Correct the original unreasonable loan; 4. List of collateral and pledge, certificate of consent of the mortgagee and pledge disposition, and relevant certification documents of guarantor's consent to guarantee; 5. Project proposal and feasibility report; 6. Other relevant materials deemed necessary by the lender. Second, banks are subject to censorship. 1 After receiving the loan application form and related materials submitted by the customer, the bank will verify the customer's situation and judge whether it has the conditions to establish a credit relationship according to the bank's loan conditions. 2. The borrower's credit rating evaluation. According to the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects and other factors, to assess the borrower's credit rating. Rating can be carried out by the lender independently and internally, or by an evaluation agency recognized by the competent department. 3 loan survey. After accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk. The examiner shall verify and evaluate the information provided by the investigators, retest the loan risk, put forward opinions and submit for approval according to the prescribed authority. The third is to sign a loan contract. After reviewing the loan application, the bank considers that the borrower meets the loan conditions and agrees to the loan, and signs a loan contract with the borrower. The loan contract shall stipulate the type, purpose, amount, interest rate, term and repayment method of the loan, the rights and obligations of the borrower and the borrower, the liability for breach of contract and other matters that both parties think need to be agreed.

How to write a short message that the bank receives loan interest?

The template is as follows:

Dear users: Mr./Ms, you bought a brand and model in our company on. Your repayment time is from 1 month to1month, and the down payment will be paid in installments. The amount of financing to be repaid is RMB; Please prepare the funds in advance to ensure timely and full repayment. Thank you for your cooperation!

Note: this is the overdue notice sent by the overdue affairs center to Mr. Wang and his contacts! At present, Mr. Wang is still in arrears, and repeated phone calls have failed, which has seriously violated the contract terms of his failure to repay on time. Please return it before 5 pm on the day of receiving this notice, otherwise, according to the relevant terms of the contract, corresponding measures will be taken to recover the remaining arrears from you! If the overdue situation is particularly serious, we will immediately notify the legal affairs department to send you a letter of lawyer for breach of contract and file a judicial lawsuit with the local authorities!

Hello, Miss Pan! Mr. Wen Huayan, the sixth phase of the 99,000 yuan loan of China Everbright Bank is overdue today, and the current overdue amount is 5,006 yuan. According to the fact that you have repeatedly overdue the repayment within half a year and refused to answer the phone many times, your behavior is bad and the circumstances are serious. The bank requires that the overdue payment of RMB 5 100 in this period must be received before noon today 12 and forwarded to the account by SMS. Otherwise, please prepare the money to settle the remaining principal of 86,726 yuan at Guangzhou Branch of China Everbright Bank during office hours this afternoon. Please know! Please reply when you receive it! (Within six repayment periods, the situation is not good)

Why do mobile phones always receive text messages similar to large loans? How to shield?

In reality, in addition to the information of large loans, there are all kinds of information, textual research information, information on handling large credit cards, stock trading information and other marketing information. Basically, it's a bit strange not to receive a few pieces a day, and besides information, there is also telemarketing from time to time, which is annoying. So why do you always receive this kind of information?

First, information leakage: online registration for the exam will generally receive numerous short messages such as parcels and internal materials soon; If you have applied for an online loan once, or clicked on the loan information, then the information of various large loans will never stop. This is information leakage. It can be said that as long as you register a message online, it is basically equivalent to being sold.

Second, cast a net: for this kind of information, the sender usually edits it and sends it uniformly and casts a net. This kind of information often comes with a discount to reply to TD or T unsubscribe, but I suggest you don't reply as well, because once you reply, you will eventually receive more such information. If there is no reply message after successful sending, the other party may default to this number and then reduce the coverage to send. Once you reply, it means that this number has been used, so more information will continue to appear.

The easiest way is to directly set the mobile phone to block the information of strange numbers and refuse to answer any calls with strange numbers, but it is easy to cause accidental injuries, such as take-away or express calls or messages. Therefore, a better way is to manually blacklist every time you receive a marketing call or text message, which can gradually reduce the marketing information or phone calls. Although it can't be eliminated now, with the passage of time, the number of blocked numbers increases, and the subsequent receipt of such spam messages and phone calls will gradually decrease.

In fact, not one person can receive this kind of information. It is estimated that many people have received it. Most of them are spam messages, selling all kinds of things, and large credit loans. Finally, there is a sentence, reply to TD to unsubscribe. Have you tried to reply to TD? Is it really feasible? Personally, I get this kind of message every day.

First of all, why do you receive so many spam messages? If it is only one or two, it may be sent randomly by the SMS company, which is not targeted.

If you receive a lot of advertisements, congratulations, your personal information has finally been leaked.

My personal information seems to have been sold by unscrupulous merchants.

If you can't stand replying to TD,

This may be the result.

Even more spam messages will be received.

Because it may be a tentative advertisement for you at first, and later I know that you are using this number and will sell it to more advertising companies.

Since TD is useless, why add TD after the information?

The Regulations on the Management of Communication Short Message Service issued by the Ministry of Industry and Information Technology on 20 15 requires that "short message service providers and short message content providers shall not send commercial short messages to users without their consent or request. Those who refuse to receive commercial short messages shall stop sending them. Otherwise, the communication management agency shall order it to make corrections within a time limit and give it a warning, and may also impose a fine of 1000 yuan to 30,000 yuan. "

The Law on the Protection of Consumers' Rights and Interests also stipulates that consumers' personal information shall not be disclosed, sold or illegally provided to others, and commercial information shall not be sent to consumers. Offenders are fined up to 500,000 yuan, or bear administrative responsibility at the same time.

This involves national supervision and the protection of citizens' personal information, but it seems useless.

I suggest that I generally ignore such messages. It is best to use the shielding software that comes with your mobile phone to shield incoming calls from strange numbers. If you reply, it may not only reveal your personal information, but more importantly, these criminals may clone or steal your bank account or identity through your mobile phone number, causing greater losses. Remember not to reply.

The first thing to note is that this short message mentions unsubscribing from T, and we must never reply to T, because once you reply, it means that you tell the organization that sent this short message that you are a "living person", and then you will be marked as a potential customer, thus generating more harassing information in the future.

Secondly, how to block it, because now is the internet society, and phone spam messages emerge one after another. Even Sa Beining, the host of the Legal Report, has publicly stated that he has received a phone call, so it is definitely impossible to completely block it, just to prevent a number from harassing us continuously.

If you are worried about accidentally injuring takeaway brothers, couriers, drip drivers, etc. , you can suggest adding this number to the blacklist manually. If you don't have to worry about accidental injury, you can download a security guard, which can automatically identify spam messages and harassing calls, and then directly block them.

But it is said that many people think this function is useless because people are too curious. Every time I tell you that we have blocked a piece of junk information, it is better to go in and see what is blocked [covering your face].

In fact, there are two most important ways to stop such spam messages.

What is the content of SMS notification of bank card borrowing money?

As far as we know, the content of SMS notification is generally "Customer with tail number, your application has been passed, the account balance is RMB, there is no formalities, please click to withdraw money".

After the experiment, I found that clicking the link in the short message will lead to a page of online loan application. You need to enter your mobile phone number and verification code and agree to the user service agreement before you can register your account and enter the next step.

In other words, the content of the SMS notification sent by Beibei is not completely in line with the facts, and the loan received in the SMS content is not true. Judging from the situation, the content of this short message is more to guide everyone to open an account and apply for a loan.

If you are not going to borrow money from the shell, don't pay attention to the news. Be cautious if you need to apply for a loan. After all, this backdoor and the backdoor in Alipay are not a product.

Here I would like to introduce the content of SMS notification. Generally speaking, the content of SMS notification in loan can be understood as a broad term. In order to guide everyone to click on the application page, it is not a fact that has happened.

Credit loan template

The loan template is: xx organization congratulates you on obtaining the qualification of xx yuan/second loan, which will be reviewed quickly and received in two hours. Poke XX to unsubscribe back to t

However, the loan content is strictly limited, and it can be sent here under the guidance of the customer service staff of the second SMS platform.

Let's not talk about editing the introduction of loan text messages.