Will the mortgage be notified by SMS when it is overdue?

SMS notification will be sent. You need to deposit the monthly payment as soon as you know that it is overdue, so as to avoid forgetting it in the future and causing it to be overdue in the later period. If the payment is overdue by one day, the bank can contact the customer for repayment in time. If the repayment card turns on the repayment SMS reminder function, there may be SMS reminders. It is recommended to print a personal credit report to see if there are any new overdue records. At the same time, it is necessary to avoid overdue situations.

1. Mortgage: Housing loan, also known as housing mortgage loan, means that the buyer fills in the Application Form for Housing Mortgage Loan to the loan bank and provides legal documents such as ID card, income certificate, housing sales contract and guarantee, which must be submitted. After passing the examination, the loan bank promises loans to the buyers, and handles the notarization of real estate mortgage registration according to the house sales contract provided by the buyers and the mortgage loan contract signed by the bank and the buyers. The bank shall directly transfer the loan funds into the bank account of the housing sales unit within the time limit stipulated in the contract.

2. The repayment of housing in loans overdue means that according to the regulations of the bank, the housing loan can be repaid in installments within a certain period of time. Content: (1). Not maliciously overdue. Only when it reaches a certain number of days and cycles can it be called malicious overdue, but it will be recorded once. It is best to avoid it. (2) The bank will deduct it every day, and 200 yuan will be deducted that night. (3) .. The national interest rate policy is rigid. Banks can't decide who can enjoy it and who can't. But the bank can decide whether to enjoy the new 30% discount. You will still enjoy it in most cases. Therefore, the system automatically transfers interest in batches. If it is troublesome to manually set who enjoys and who doesn't, it will easily bring trouble to users, so banks generally implement it in batches. (4) The implementation of the interest rate of the provident fund is not affected.

3. In the early stage of the development of individual housing mortgage loan in China, due to the shortage of housing and imperfect laws at that time, the borrower was unable to move out after worrying about personal risks and filed an enforcement lawsuit with the court, but the court often refused to accept such lawsuits because of social stability. With housing as collateral, it is difficult to guard against risks objectively. Secondly, because China's real estate management department can't meet the needs of market development, the processing of housing property certificate is slow. Without the title certificate, you can't apply for mortgage registration, so you can't apply for mortgage. To guard against risks, buyers need to improve their legal concepts. The most fundamental way to prevent the risk of personal housing mortgage loan is to gradually establish and improve the legal system, improve the personal legal concept, and deal with those who maliciously refuse to repay. The government should strengthen the planning and management of land supply to ensure the stability of housing supply and housing prices; Strictly review the qualifications of development enterprises to ensure that the housing quality meets the standards; Establish a perfect loan procedure; Improve loan efficiency through quality service, rather than simply simplifying loan procedures. Implement the whole process management of individual housing loans, especially post-loan management, and establish a perfect loan guarantee system. Establish housing mortgage, pledge, insurance and guarantee mechanisms, and use market mechanisms to disperse and transfer loan risks.