Under normal circumstances, banks will send text messages to remind borrowers to check the amount before lending.

If the borrower does not receive the loan message due to some reasons, there is no need to panic. If it is a large loan, the manager will also inform the borrower in advance that the loan is about to be released.

If the borrower applies for a home loan, the borrower needs to go to the bank to sign when the home loan is issued.

The borrower’s failure to sign proves that the loan contract has no legal effect and the loan is invalid.

It is illegal for a bank to lend money without the borrower's signature.

If the bank fails to notify the borrower due to reasons at the bank after disbursing the loan, the mortgage will eventually become overdue.

This is a mistake of the bank itself and has nothing to do with the borrower. The borrower can directly find the bank, inform the situation, and then pay off the overdue amount.

If the bank has not reported the overdue situation, the borrower can discuss with the bank not to report the overdue situation this time.

If the bank has already reported the overdue situation, the borrower can also ask the bank to issue a non-malicious overdue certificate, and then go to the People's Bank of China Credit Information Center to correct the overdue record.

Generally speaking, everyone uses the central bank’s credit records, which will leave traces after checking. This is not a good situation for borrowers. In addition, most online loans do not have credit records, making it impossible to obtain specific information about online loans. However, you can learn about personal data through "Beijian Quick Check", including inquiry records, online loan overdue information, application records, dishonesty information, online loan blacklists, etc., and there is no inquiry record.

Extended information:

What should the bank pay attention to after lending money?

You need to pay attention to these matters after lending money.

1. Do not apply for other loans immediately

After the bank disburses the loan, it will also conduct post-loan management on the borrower. If the borrower applies for other loans immediately after disbursing the loan, the bank will This will lead to a sharp increase in the debt ratio on the credit report, and the bank will doubt the borrower's repayment ability. In serious cases, the loan will be withdrawn.

2. Loan funds cannot be used at will.

Any loan funds have clear channels for use. For example, car loan funds can only be used to purchase cars, and home loan funds can only be used to purchase cars. Can be used to purchase a house.

If the borrower applies for a consumer loan, it can only be used for consumption and cannot be used for investment, financial management, repayment of other loans, purchase of stocks, or use as down payment for a house, etc.

All are violations.

Once the bank discovers that the borrower has misused funds, it is likely to sue the borrower directly, or require the borrower to repay all loan funds immediately.

3. Pay attention to the repayment time

Generally speaking, the repayment date is one day after the bank's loan date.

Borrowers must keep their repayment date in mind and prepare sufficient repayment funds in the repayment card three days before the repayment date.

Otherwise, once it is overdue, the consequences will be very serious.