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What is the content of SMS verification code sent by public finance before lending?
(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.
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