How to deal with the failure of China Bank to apply for a loan but receive a repayment message;
1. Please confirm whether you have applied for personal consumption loan in China Bank or the branch mentioned in the prompt information.
2. If you didn't apply for a loan and received a repayment reminder of 95566, please confirm whether you have changed this mobile phone number recently.
Tips:
For details, please consult the loan handling bank or call BOC customer service hotline 95566, and BOC will solve it for you as soon as possible.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.
Why do you receive repayment information without a loan?
If you don't have a loan, but you receive repayment information, it may be that the lending institution sent a wrong message, or someone else left the user's mobile phone number by mistake when applying for a loan. The first case can be ignored, because such short messages are generally sent in groups, and users can directly block them.
The latter user can contact the lending institution and tell the lending institution that others have left their mobile phone numbers. As long as the lending institution deletes the user's mobile phone number information, subsequent users will not receive the information.
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit.
Generally, a bank loan can only be applied if it has a guarantee, a house mortgage, a proof of income and a good personal credit.
Credit conditions
1, credit line
The credit line is the maximum amount that borrowers are allowed to borrow in the agreement signed between borrowers and banks.
2. Revolving credit agreement
Revolving credit agreement is a loan agreement that banks promise to provide enterprises with no more than a certain maximum amount according to law.
3. Compensatory balance
The compensatory balance is the minimum deposit balance that the bank requires the borrower to keep in the bank according to the loan limit or a certain proportion of the actual loan amount (generally 10% to 20%).
Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.
How to repay the loan more economically?
Compared with the two repayment methods, in the case of full repayment, the interest paid by "equal principal and interest repayment method" is higher than that paid by "average principal repayment method".
But not everyone should choose the "average capital repayment method" to repay the loan, but also combine their own financial situation.
For people with high salaries and diversified incomes, the "average capital repayment method" can be adopted;
If the cash strength is relatively strong, but there is no willingness to repay the loan in advance, the "average capital repayment method" can be used to repay the loan. As time goes on, the repayment of each installment will gradually decrease. Although this repayment method has great pressure on funds in the early stage, it can alleviate the pressure in the future.
If you are a civil servant, an ordinary teacher, an ordinary scientific researcher, or you have a stable job or want a simple life, it is recommended to choose the "equal principal and interest repayment method" because this repayment method is conducive to better arranging your life in advance.
In addition, remember that if you want to repay the loan in advance, the interest paid will not be refunded. Friends who want to repay the loan in advance should comprehensively consider the amount of principal and interest that needs to be repaid in one lump sum, and then choose the "average principal repayment method" or "equal principal repayment method".
In addition, friends who want to repay the loan in advance should also consider the opportunity cost of repaying the loan in advance.
Why do you receive repayment information when there is no loan?
If the mobile phone often receives loan information, it is probably because:
1. If the user has borrowed money from the loan platform before, even if the loan is settled, personal information will be left on the loan platform, and the loan platform may send a loan invitation message for new sources of performance;
2. If the user has never made a loan, it may be official website, who has entered some loan platforms before and consulted information, and is considered as a potential customer, so the loan platform will also send a loan invitation message;
3. It may be that the user's personal information is inadvertently leaked, and the loan platform will send a loan invitation SMS to expand the business after obtaining the user information; Or the user's personal information is stolen by others to borrow money.
Factors affecting the success of the loan:
1, even three times six
"Three consecutive years and six consecutive years" is a combination of "three consecutive years" and "six consecutive years". Generally speaking, "three consecutive months" refers to overdue repayment, and "six consecutive years" refers to six overdue repayments in a year.
If there is a situation of "three consecutive times", it means that your personal credit report is extremely bad, and the bank will judge the individual as having a very bad impression. Then, there is a great risk that the borrower's loan and credit card application will be rejected.
2. Late payment
Overdue, especially never, and as long as there is no repayment, the record will always exist. The overdue records of credit cards are all recorded in the credit report. Therefore, people who have never paid back the credit card money indicate that personal credit information is poor, so personal mortgage will be rejected by banks. Therefore, you must pay attention to keeping your personal credit information and don't discredit your credit information.