I received an SMS bank statement entrustment. Regarding your loan case, I have been suspected of malicious default on the loan. Do we not rule out the direction?

When you receive such a text message, you must first determine whether you have taken out a loan and whether you have any loans that have not been repaid. If you have not behaved in this regard, do not believe him or ignore him.

If you default on a loan or payment, the lender can entrust the court to sue you. If you cannot repay it temporarily, you can apply for an extension of repayment. Normally, it will be approved, but applying for an extension After repayment, remember to make normal repayments in each installment, otherwise there will be no room for further negotiation.

1. Loan channels

1. Traditional loans (also called offline loans, which refers to submitting loan applications in real life through banks, etc.)

2 , Online loans (also called online loans, which refers to submitting loan applications online) are P2P financial loans.

P2P was established for the purpose of financing between fundraisers and investors. Compared with traditional loans, Internet finance can avoid risks such as illegal fund-raising, bad debts, and runaways. Internet finance does not have a fixed investment group, which can effectively solve the security of platform operations and protect the interests of investors.

3. Mobile loan (refers to submitting loan applications through mobile loan APP, flexible and convenient anytime, anywhere)

2. Basic loan regulations

Loan objects: Chinese citizens between the ages of 18 and 60 with full capacity for civil conduct.

Loan limit: After the borrower provides a pledge, mortgage, third-party guarantee approved by China Construction Bank or has certain credit qualifications, the bank will determine the borrower's corresponding pledge limit, mortgage limit, guarantee limit or credit limit. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; the mortgage amount shall not exceed 70% of the assessed value of the collateral; the credit limit and guarantee limit shall be determined according to the borrower's credit rating.

Guarantee method: in the form of mortgage, pledge, third-party guarantee or credit approved by China Construction Bank.

Required application materials:

(1) The written document required by the borrower to obtain the guarantee amount from the guarantor agreeing to provide guarantee.

(2) Credibility certification materials of the guarantor.

(3) Evaluation report of the collateral issued by a socially recognized evaluation department.

(4) Other documents and information specified by China Construction Bank.

(5) Original and copy of the borrower’s valid identity document.

(6) Proof of local permanent residence or valid residence status.

(7) The borrower shall present the income certificate issued by the employer, the borrower’s tax bill and insurance policy.

(8) The borrower obtains the pledge rights, mortgage list and ownership certification documents required for the pledge and mortgage amount, and the written document of the owner and property owner agreeing to the pledge and mortgage.

(9) The borrower also needs to provide the payment receipt for the water and electricity property at the company's site and the payment receipt for the water and electricity property at the personal address.