There are several ways to cancel the SMS notification service of ABC:

1. Online banking:

Log in to the personal online banking of Agricultural Bank; Click "Settings" and select "Message Service"; Then click "Logout".

2. Pocket Bank:

Log in to the ABC Pocket Banking APP, click "All" and select "Assistant"; Then click "SMS notification"; Then click "Logout".

3. Business outlets:

Customers can bring their bank cards and ID cards to the counters of any branch of ABC to find staff to cancel their accounts.

4. Self-service terminal:

Customers can also log off at any self-service terminal with their bank card, just follow the prompts (some self-service terminals may not support log off temporarily, subject to the actual function display of the machine).

We need to note that if the SMS notification service is in arrears, it must be paid before it can be cancelled. Also, if the customer has opened the WeChat account reminder, the WeChat account reminder will be cancelled simultaneously after the SMS notification service is cancelled.

Operating environment: apple 12, ios 14, and agricultural bank version 6. 1. 10.

1. Can the renovation loan of ABC be repaid in advance?

The renovation loan of ABC can be repaid in advance. Agricultural Bank of China decoration loan is credit card consumption, so it supports users to repay in advance. Users who want to repay in advance need to submit a written application for prepayment to the Agricultural Bank of China, and they can only repay in advance after being audited by the Agricultural Bank of China. If part or all of the principal is repaid in advance, the interest already collected will not be refunded.

In addition, if prepayment can't save interest, users might as well repay on time.

Second, how to update the expired ID card of the agricultural bank card?

If the ID card of ABC card expires, users can update their ID cards through ABC Pocket Bank, manual counter, super counter, mobile marketing PAD and other channels. Users don't want to go to the counter to update themselves, but they can update through mobile banking, which will directly jump to the page with expired ID cards, and users can complete the update according to the page prompts.

If you can't update through mobile banking, you can call the ABC customer service hotline to apply for a buffer period. Even if the user ID card expires within the buffer period, the business can be handled normally.

Can the renovation loan be repaid in advance?

You can repay in advance, but you need to charge a certain penalty. The applicant has successfully handled the installment payment business. If he applies for prepayment, he must pay off the remaining principal in one lump sum and bear the corresponding handling fee according to the number of recorded installments. If the applicant adopts the one-time payment method of handling fee, the handling fee corresponding to the remaining unrecorded period of the applicant shall be refunded; If the applicant adopts the method of installment payment, the handling fee corresponding to the remaining unrecorded period of the applicant will not be charged.

Home improvement loans, also known as decoration loans, refer to personal credit loans launched by banks or consumer finance companies for the purpose of family housing decoration, that is, unsecured credit loans. In principle, the single loan amount of personal housing renovation loan issued by the bank shall not exceed 654.38 yuan +0.5 million yuan, and shall not exceed 50% of the total cost of renovation project.

There are two kinds of home improvement loans and one credit card installment form to apply for, as follows: 1. Apply for personal credit loan decoration; 2. Personal consumption loan decoration loan. Consumer loans here refer to mortgage loans with certificates, that is, consumer loans with real estate as collateral. ; 3. credit card home improvement staging; 4. In addition to traditional bank loans, loans from consumer finance companies are also one of the options.

Application conditions

1. Have local permanent residence and legal and valid identification;

2. Have a proper occupation and stable income, and have the ability to repay the principal and interest of the loan at maturity.

3. The borrower can provide relevant asset certificates, bank statements, tax bill certificates, etc.

4. For newly purchased houses, materials such as house sales contracts and purchase invoices shall be provided (or materials such as house ownership certificates shall be provided if the original houses are renovated again);

5. Other conditions stipulated by the Cooperation Organization.

Application material

Lenders applying for renovation loans generally need to provide the following materials to the bank:

1, valid ID card, permanent residence certificate issued by the neighborhood committee, proving their identity and fixed residence;

2. Proof of professional and personal income issued by the unit, proof of stable work for six consecutive months or more (or providing monthly salary bills in recent months) to prove its repayment ability;

3. Real estate certificate of real estate mortgage (required for mortgage loan);

4. Bank deposit statement, water and electricity tax bill and other certificates. To prove their credit quality;

5. The decoration project contract signed with the decoration enterprise, the purchase order of decoration materials and other materials that prove the purpose of the loan;

6. A copy of the business license and qualification certificate of the decoration enterprise, which proves whether the partner is within the prescribed scope;

7. Other conditions required by banks or financial institutions.

How to handle the decoration loan of ABC?

China Agricultural Bank Personal Decoration Loan Process:

1. The borrower applies for personal loan at the loan bank, submits the application materials, and the bank calls the borrower after receiving the materials. At this point, the borrower can consult the required information or other related contents in detail.

2. The borrower brings information to the bank to submit an application, and the bank staff will verify the information submitted by the borrower. If all are true, pass and continue to the next step.

3. After the approval of the bank, notify the borrower to go to the bank to sign the contract and go through the mortgage registration formalities, and then sign the contract.

4. Bank loans.

Matters needing attention in handling decoration loans:

Precautions 1. Apply for a mortgage according to your ability.

Some people think that the bigger the loan amount, the better, but this is not the case! Because you have to pay the mortgage and interest. If your loan term is longer and the loan amount is larger, you will have to pay more interest, which will increase your repayment pressure.

Note 2. Prepare loan information in advance.

Copy of ID card, copy of household registration book, copy of marriage certificate or single certificate, copy of education certificate, copy of income certificate, copy of bank account, purchase contract, down payment invoice, social security related certificates, etc. It is also very important that if there is a bad credit record in credit card repayment, you must apply for cancellation or issue relevant certificates.

Note 3. Provide true information

If the loan buyers provide false materials to the bank, it may have a serious impact: it will affect the bank's audit, and it will be impossible to issue loans and realize the dream of living; What's more, it may be because individuals provide false materials, which leads to the inability to apply for loans, which leads developers to require buyers to bear the liability for breach of contract for overdue delivery of mortgage materials and pre-sale contracts of commercial housing, and pay a considerable amount of liquidated damages.

Note 4. Clear the repayment method in advance.

At present, there are two main repayment methods for bank loans to buy a house, namely equal principal and interest and average principal. Although there is little interest in the average capital, the monthly supply is high and the pressure is relatively high. The total interest of equal principal and interest will be higher, but the monthly repayment pressure is small. You can choose the appropriate repayment method based on your own situation.

Note 5. Don't use the provident fund before applying for a loan.

If the borrower takes the balance of the provident fund before the loan, it will make the balance of the provident fund in his provident fund account become zero, and then the amount of the provident fund loan will become zero. In other words, you can't successfully apply for provident fund loans at this time.

Note 6. Don't prepay within one year.

According to the relevant regulations of bank loans, the prepayment part should be repaid after 1 year, and the amount returned should exceed the repayment amount of 6 months.

Note 7. Repay in full and on time.

After obtaining the loan, the borrower must repay the loan in full and on time in accordance with the provisions of the loan contract, so as not to leave a bad credit record and cause unnecessary trouble.

Note 8. If you can't repay on time, you can apply for an extension.

After the loan application is approved, the buyer can repay the loan every month. What should I do if I encounter difficulties halfway and can't repay on time? Property buyers can apply to the bank to change the loan term, and if the loan bank agrees, it can be extended.

Note 9. Remember to go through the mortgage cancellation procedures.

After the borrower pays off the mortgage, don't forget to go through the mortgage cancellation procedures, otherwise the house will always be mortgaged in the bank, and it will be impossible to apply for a real estate mortgage loan in the future.

Precautions 10. Don't lose the loan contract and IOUs.

As the loan term can be as long as 30 years, as a borrower, you need to take good care of your contracts and IOUs. When applying for mortgage loan, the loan contract and iou signed by the bank with you are important legal documents.

Reference link: Baidu Encyclopedia: Decoration Loan