It usually takes several days to receive a short message from CCB's mortgage loan to the card.

It usually takes three working days to receive the mortgage text message and put the money on the card.

Definition of housing loan:

Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral. According to the source of loan funds, it is divided into provident fund loans and commercial loans. According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method. The housing loan interest rate is based on the benchmark interest rate of banks in the same period, and the loan interest rates of different banks have slightly increased.

Brief introduction of personal housing provident fund loan;

Personal housing provident fund loan is a loan that employees who pay housing provident fund units to the fund management center on time in a specified period, buy or build their own houses (including second-hand houses) in this city, use their own property houses as collateral, and apply to the fund management center for guarantee by a legal person with guarantee ability. Loans can be issued by banks entrusted by the fund management center.

The repayment method of the loan is as follows:

1. Matching principal and interest repayment method:

It is to repay the same amount of loans (including principal and interest) every month during the repayment period, so that the monthly repayment amount is fixed, the expenditure of family income can be controlled in a planned way, and it is also convenient for each family to determine the repayment ability according to their own income. Equal principal and interest repayment method is also called monthly average method. The repayment speed of the principal is slow, and the repayment pressure is light, at the cost of overpaying the total interest.

2. Repayment method of equal principal:

It is to repay the principal in equal amount every month, and then calculate the interest according to the remaining principal. Therefore, due to the large initial principal and the large initial repayment amount, the follow-up time is decreasing every month. The advantage of this method is that the initial repayment amount is large and the interest expense is reduced, which is more suitable for families with strong repayment ability.

Definition of loan interest rate:

The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate