SMS notification of loan repayment

Is there a SMS notification for mortgage deduction?

There is a SMS reminder notice for the mortgage. Usually, borrowers need to open a repayment SMS reminder service when handling mortgages. In this way, there will be SMS reminders every month when repayment is made. If you didn't open the door at that time, you can also go to the bank later.

Open SMS reminder mode for mortgage:

1. The bank counter is open. When handling the mortgage, you can ask the staff to open an account for you.

2. Bank customer service is opened, and call the customer service phone of mortgage bank to apply for opening.

3. The mobile banking APP has been opened, and now many bank mobile apps can open SMS reminder service.

4. By opening personal online banking, log in to the personal online banking of the loan bank and find the SMS reminder service. Is there a grace period for mortgage loans?

Whether there is a grace period for mortgage depends mainly on the regulations of your loan bank. Most banks have a certain grace period for housing loans. However, the grace period may vary with bank loans. The grace period is basically between three and five days, and the longest will not exceed ten days. Of course, the specific amount depends on the contract, so if you want to know whether your mortgage has a grace period and how many days, you can check the relevant terms of the contract.

If your mortgage has a grace period, the repayment within the grace period is not overdue. However, it should also be noted that some banks have no grace period, so they must pay off the mortgage last month before the repayment date (inclusive), otherwise they will leave a bad record of overdue.

How to deal with overdue mortgage?

There are three kinds of overdue: overdue within three months, overdue with false information and overdue for more than three months. The specific measures that users should take are as follows:

1. If the overdue period exceeds one month, take the initiative to call the bank to explain the reasons and ask the bank to issue a non-malicious overdue certificate. If there are non-malicious overdue vouchers, it will not affect the application for loans in the future.

2. If the information is false and overdue, you can raise an objection to the local people's bank. The results can be obtained within 15 working days from the start date. If the bad record is eliminated, you can apply for a loan immediately.

3. If the overdue record is more than three months, and the principal and overdue fine have been paid off, good credit habits should be maintained on the repayment date. Please don't cancel your credit card if it expires. It takes two years to buy a house, otherwise you can't borrow money to buy a house in your own name.

Construction Bank Loan Repayment SMS

Hello! What needs your attention is that this may be a short message, and scammers sometimes send it to you as bank staff. So I suggest you go to the bank counter or call the bank customer service first, and confirm with the staff first.

What is the short message of CCB loan?

When the funds in your debit account are insufficient, send a text message to your mobile phone five days in advance: Dear XXX, your loan account in CCB XXXX will be debited before 20 1X, and the repayment amount will be XXXX. Please deposit it into the debit account in time. [China Construction Bank] 95533 Send this for free, and it's ok after handling the loan. If you open the SMS reminder service, you will receive a short message after deduction: your account with the suffix XXXX will spend XXXX. 20 1X year XX month XX day XX yuan, the transaction is to recover the loan principal and interest. This is the charging service 95533 or/kloc-0 106XXXX95533 (the sending number varies from place to place). The format is as follows.

Relevant provisions of China Construction Bank on individual housing loans:

Repayment method: If the loan term is within 1 year (including 1 year), the repayment method of one-time repayment of principal and interest shall be implemented; If the loan term is greater than 1 year, the repayment method of equal principal and interest and average capital can be adopted.

Loan guarantee: mortgage, pledge, guarantee, mortgage plus phased guarantee, etc. , and can use one or more loan guarantees.

Materials to be submitted when applying for a loan:

(1) ID card;

(2) Proof of the borrower's repayment ability;

(3) Legal and effective purchase (construction or overhaul) contracts, agreements or (and) other approval documents;

(4) proof of down payment;

(5) loan guarantee materials;

(6) Other documents and materials required by the lending bank.

Treatment process

1. loan application: the customer fills in and submits the application form and application materials designated by CCB.

2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.

3. Loan approval: CCB conducts loan approval.

4. Signing a contract: After the customer's loan is approved, sign a loan contract with CCB.

5. Loan issuance: CCB will issue loans after meeting the requirements.

6. Customer repayment: the customer repays the loan on time as agreed.

7. loan settlement.

Will you receive repayment information immediately after the loan is successful?

After the loan is successful, the applicant will generally receive such a short message: Dear xxx, your xxx loan has been approved and xxx yuan has been successfully received. Please withdraw it in time and repay it on time. Because the information template of each lending institution or bank is different, the information received may be different. But there will be the name of the lending institution, approval, loan term, repayment date and so on.

First, the reason why you will receive the information when the loan is successful.

Generally speaking, after the loan application is submitted, the loan application is approved, and the customer service of the lending institution will call the loan applicant. However, due to the large user base of loan application, all of them are notified by telephone, and the human resources are very large, which leads to low work efficiency and waste of resources. Therefore, the loan application will notify the loan applicant by SMS, telling the lender that the loan has been successful. If the loan application is not approved, the loan applicant will also receive a text message. This is the way that the lending institution tells the lender the final result of the loan application. With the continuous development of social informatization, this is a very convenient method, and SMS is an economical and practical channel. Most lending institutions notify lenders in this way. After receiving the information that the loan application was successful, the applicant can generally check the approval result in official website, or call the loan customer service phone to verify the loan result and confirm the authenticity of the received SMS.

Two. Matters needing attention in successfully receiving loan information

After receiving the loan success information, if you want to verify whether the short message is true, you can log in to the lending institution official website, or call the customer service phone of the lending institution to confirm the loan result, or you can directly go to the lending institution for consultation and verification. If you haven't submitted a loan application, but you have received the information that the loan is successful, you should be vigilant. Don't reply or dial the phone number on the text message at will, and you can't click on the link on the text message at will. Be careful not to receive text messages to avoid unnecessary property losses. If you don't apply for a loan but receive the information that the loan is successful, the safest way is to ignore it and don't fall into the trap of a liar because of greed and cheapness. Sometimes the short message sent by the lending institution is not necessarily the information of loan success, or it may be that the applicant has submitted a loan application to this lending institution before, but the application failed for some reasons, and the lending institution will also push some advertisements to users from time to time. Users should pay attention to discrimination, and users can also set harassment interception to stop receiving this promotional advertisement.

Hello, will there be a SMS reminder for mortgage repayment?

You open SMS notification at the bank that opens the repayment bank card, and there will be SMS notification when you repay the loan.

Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan filled out by property buyers to the loan bank, providing ID cards, income certificates, housing sales contracts, guarantees and other documents that must be submitted according to legal documents. The lending bank passed the examination.

Promise loans to buyers, and handle real estate mortgage registration and notarization according to the house sales contract provided by buyers and the mortgage loan contract concluded between banks and buyers. The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract.

Repayment method

brief introduction

There are two repayment methods for housing loans with a loan term of more than one year: average capital repayment method and matching principal and interest repayment method.

Average capital

It is to divide the total loan into equal parts during the repayment period, and repay the equal principal and interest generated by the remaining loans in the current month every month.

Monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.

Features: Because the monthly repayment amount is fixed and the interest is getting less and less, the lender is under great pressure to repay at first, but with the passage of time, the monthly repayment amount is getting less and less.

Will there be SMS notification for loan deduction? Reminders are essential!

Nowadays, many people apply for loans from banks and financial institutions when they are in urgent need of money. As long as they meet the requirements of the bank, they can get loans soon. They don't need to go to the bank to repay, but they can repay directly online through the internet and mobile phones. Moreover, automatic deduction is turned on, and the system will automatically deduct money on the repayment date, which is very convenient. So will there be SMS notification for loan deduction?

1. Will there be SMS notification for loan deduction?

Yes Now the loan system is very convenient. No matter what the operation is, lending institutions will send SMS reminders, and different institutions will remind them in different ways.

1, SMS phone

Some large and medium-sized lending institutions with strict risk control will send text messages to remind them every step, and even call in advance. Compared with overdue collection, borrowers can know the audit results in time by texting or calling in advance, so SMS is an economical and practical channel.

2. Pure SMS

Most lending institutions only send SMS reminders. For example, when you repay, you will send a text message to remind them to save enough money in time. After deducting the money on the repayment date, they will also send a text message to remind them of the remaining amount to be repaid. If the deduction fails, there will be a corresponding text message. The borrower should take the initiative to repay the money in time after receiving it, so as not to miss the date and cause overdue.

2. Is the SMS sent by a lending institution or a bank?

If automatic repayment is turned on and the bank card is bound, not only will the lender send a deduction message after automatic deduction, but the bank will also send a message after the bank card funds change.

If there is a balance in the account and there is still no repayment after the repayment date, the system will automatically deduct the payment. In short, if you have any questions, you can directly log in to the loan official website to check the status. Don't click on the links sent by others.

Is there a short message telling ICBC about the monthly mortgage repayment?

Monthly SMS notification of ICBC mortgage repayment.

When the balance of the repayment account is insufficient, China Industrial and Commercial Bank will send a reminder message to the user before the repayment date to remind the user to deposit the full amount of funds into the repayment account in time. If the user's contact telephone number changes, the user needs to contact China Industrial and Commercial Bank to update the reserved telephone number in time.

If online banking has been enabled on the savings card to handle loans, users can log in to online banking and select the "Favorites-Loans-My Loans" function to inquire about the information of handling loans in China Industrial and Commercial Bank.

Users need to deposit or transfer all the funds into the repayment account before the repayment date 17: 00 agreed in the loan contract. If the repayment is not made on time and in full, it needs to be made up as soon as possible, and the system will automatically deduct the money every day from the next day until the arrears are fully recovered.

Extended data

ICBC developed and launched the "External Fraud Risk Information System" by using big data technology, realizing real-time accurate early warning and effective interception and intervention of external fraud risks.

The system includes all kinds of risk customers and account information provided by banks, financial industries and judicial administrative departments, and establishes an external fraud risk database, which is connected with relevant business systems of the whole bank to form an all-round external fraud risk management and control platform integrating information collection, risk early warning, monitoring and analysis and active control.

ICBC also completed the omni-channel control of the accounts involved by the external fraud risk information system, and immediately screened all transfer and remittance transactions through outlets, online banking, telephone banking, mobile banking and self-service terminals, promptly reminded customers of risks, and automatically warned telecom crimes in real time, thus reducing the probability of telecom success from the source.