Mortgage SMS

Received SMS notification of mortgage loan

Generally speaking, if the user receives the SMS notification of the mortgage loan, the loan will generally be issued in the afternoon of the same day or the next afternoon. After the loan, the lender should pay attention to that it is best not to apply for any other loan within three months to avoid increasing the personal debt ratio and let the bank "manage" users after the loan.

For mortgage loans, the bank will inform you by SMS or telephone.

If it is a purely 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. For example, many people are buying houses, especially when they get together to buy houses. At this time, banks are prone to lack of credit lines, so it is possible to wait for more than half a year.

According to the normal situation, commercial loans generally take about three months, and the provident fund can be released in about half a year.

After receiving the short message of mortgage loan, the customer only needs to wait for the bank to transfer the loan funds in the received bank card to the account designated by the real estate developer.

However, after the mortgage loan is transferred to the bank card under the customer's name, it will generally be transferred to the account designated by the developer immediately, and the mortgage will be completed after the real estate developer receives the remaining house payment. Next, the customer can repay the principal and interest of the mortgage in installments on time according to the repayment plan agreed in the signed loan contract.

If the customer has paid the housing provident fund, he can also go to the provident fund to repay the loan and use the balance of the provident fund account to offset the mortgage loan (you can apply for a monthly mortgage loan, that is, deduct the corresponding amount from the provident fund account every month to repay the principal and interest due in the current month; You can also apply for annual offset, that is, deduct the balance of the provident fund account once a year to offset the principal payable).

If the customer has sufficient funds in the later period, he can also make early repayment (it usually takes one year to repay the loan on schedule, otherwise he may have to pay a certain penalty). After the mortgage is paid off, the customer can go to the bank to issue a loan settlement certificate, get back his warrant, and then go to the Housing Authority to understand the mortgage procedures.

Is there any way to change the mobile phone number of China Bank's commercial housing loan by SMS?

China Bank commercial housing loan SMS notification mobile phone number change;

You can change your mobile phone number through personal mobile banking of BOC, contact the loan account manager, and go to any branch of BOC to handle it.

The above contents are for your reference. Please refer to the actual business regulations.

The housing provident fund loan has not been released, but the termination message has been received.

The reasons for the termination of housing provident fund loans without lending are as follows.

1. There will be SMS reminders when the MPF accepts loans, but sometimes system problems will cause some customers not to receive SMS messages.

2. The collection method is to remind users by phone or SMS.

What should I do after receiving SMS notification of mortgage loan? These things need to be prepared in advance!

For most people in modern times, buying a house has become a necessity. Many people have saved money for several years and have to make up the down payment on their houses. However, for ordinary families, if they want to buy a house, applying for a mortgage loan is an essential procedure. A friend asked, what should I do after receiving the SMS notification of mortgage loan?

What should I do after receiving SMS notification of mortgage loan?

Generally speaking, if the user receives the SMS notification of the mortgage loan, the loan will generally be issued in the afternoon of the same day or the next afternoon. After the loan, the lender should pay attention to that it is best not to apply for any other loan within three months to avoid increasing the personal debt ratio and let the bank "manage" users after the loan.

In addition to avoiding applying for a loan within three months, the lender also needs to confirm whether the money is consistent with the contract and whether it has reached the account of the real estate developer. You need to check the repayment date again and check the details.

In addition, it should be noted that after lending, the bank will send the corresponding loan contract, repayment book and other materials to the lender, and the lender needs to pay attention to it. If these materials are lost, the consequences will be very serious and it will be very difficult to reissue them. Finally, the lender needs to go to the developer to get the full invoice.

In addition, we need to remind everyone that after the mortgage is lifted, the lender needs to start repaying the monthly payment next month. The consequences of overdue mortgage are very serious, which will lead to high penalty interest, affect personal credit information, and also affect the lender's re-application for other credit business in the future.

Finally, it is necessary to provide it to everyone. After the mortgage registration formalities are completed in the bank, the lender should remember to go to the bank to retrieve the original property certificate.

The above is the related content sharing of "Receiving SMS Notice of Mortgage Loan", I hope it will help everyone!