There is something wrong with the user's credit report.
The first trial of the postal loan has passed, showing that it has been cancelled, indicating that there is a problem with the user's credit report or the customer's debt ratio is too high, and the platform cancels the loan.
Postal savings loan is a personal RMB consumption loan issued by China Postal Savings Bank to natural persons, which is used for various legitimate consumption purposes, including postal savings loan-exclusive to wage customers, postal savings loan-exclusive to outstanding customers, postal savings loan-high-quality enjoyment and other service modes. It can be used for the borrower's legitimate consumption purposes, such as house decoration, car purchase, travel and furniture purchase, but it shall not be used for housing purchase, production and operation (including the purchase of business premises and commercial vehicles), equity investment (including but not limited to: registered capital, stocks, futures, financial derivatives, securities investment funds) and other purposes prohibited or restricted by laws and regulations.
What does it mean that the postal loan status has been revoked?
The success of the credit card cancellation of the Postal Savings Bank means that the credit card is bound to a certain business, and then the customer takes the initiative to cancel the account. It is recommended to call the customer service consultation of Postal Savings Bank.
Postal savings bank credit card SMS prompt withdrawal has the following situations:
1. When a new application is made for the credit card of Postal Bank, the customer cancels the application during the processing.
2. The credit card has signed an automatic repayment agreement with the bank card, and the customer voluntarily cancels the withholding repayment.
3. The credit card signed the SMS notification of balance change, and the customer canceled the SMS notification agreement.
4. The credit card applied for bill installment, and the customer cancelled the installment business before it took effect.
How to cancel the SMS reminder service of postal service?
There are three ways:
1. You can use a mobile phone with a bank card to edit the short message "QX" and send it to1185 to cancel the service.
2. Call customer service and 95580 to cancel the SMS notification service.
3. Take my ID card, go to the local Postal Savings Bank and cancel the SMS service.
Short message banking refers to the electronic banking business in which customers edit the short message service number in a specific format to the bank, and the bank handles related business for customers according to its instructions, and informs customers of the transaction results in the form of short messages.
Main functions:
Provide customers with balance inquiry, detailed inquiry, account management, green cartoon account management, account loss reporting and other functions.
Bank card cancellation SMS reminder service belongs to contract business, and cardholders need to bring their ID card and bank card to the issuing bank for handling.
The specific process is as follows:
① Copy the ID card with the assistance of the staff in the bank lobby and queue up at the same time.
(2) Fill in a business application form, select "SMS Reminder" in the business column to be cancelled, and attach the mobile phone number bound to the original SMS Reminder business. If you have any questions about other items in the application form, you can refer to the template provided by the bank or consult the lobby manager of the bank. )
(3) After calling the number, hand over the bank card, original ID card, copy of ID card and business application form to the counter staff, and cancel the SMS reminder service.
Mercedes-Benz application status has been revoked. What does it mean to cancel the status of Mercedes-Benz loan application?
That is, the 4s shop refunded your loan, that is, gave up. If you still want to do it, you need to apply again, and you can also do other financial services. After all, there are many financial companies, as long as there is no problem with personal credit reporting, they can basically do it.
The loan has been cancelled because of the lending bank. What do you mean?
Because of the loan bank, that is, the loan you applied for, this loan has been cancelled. The loan has been cancelled because the lending bank failed to pass the examination.
This is the case with bank loans.
Bank loan process
1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time. It should be noted that in addition to applying for small loans in rural areas, other types of loans also need to provide relevant information. Mainly includes: the basic information of the borrower and the guarantor. Correct the original unreasonable loan. List of collateral and pledge, the consent certificate of the person who has the right to dispose of the collateral and pledge, and the relevant certificates that the guarantor intends to agree to guarantee. Other relevant information, etc.
2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and the bank evaluates the applicant's credit rating. Handle relevant notarization and mortgage registration procedures as appropriate.
3. issue loans. After obtaining the mortgage certificate, if the loan is approved by the bank, after all the formalities are completed, the bank will directly transfer it to the borrower's transaction object or distribute it to the borrower in the form of transfer according to the contract, and the borrower will pay it to its transaction object.
4. Post-loan inspection. Follow-up investigation and inspection of the borrower's execution of the loan contract and operation.
5. Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract. Within the repayment period agreed in the loan contract, the borrower may postpone 10 natural days on the basis of the agreed repayment date. If the loan is to be postponed, it should be before the loan maturity date. The borrower needs to apply to the bank for loan extension, and the bank decides whether to extend the loan.
1. How long will it take to approve the mortgage?
According to the current general market situation, there are some differences in the approval procedures of banks, but the process from formal application to final approval of banks takes 12 working days at the earliest, and it will arrive at the account 48 hours after approval. Because it involves evaluation, mortgage registration and other links, the situation of each customer will be different; For specific matters such as lending time, review status, processing progress and cancellation, you can directly contact the handling outlet or loan account manager for confirmation.
Second, the bank loan process
1. Submit personal loan application first;
2. After bank acceptance-evaluate the mortgaged property;
3. Review the loan according to the appraised price and the information provided by the borrower;
4. After passing the examination, sign a loan contract with a law firm, and handle the mortgage formalities of real estate warrants at the same time;
5. Bank loans.
To sum up, from the above, we can know that the approval speed of mortgage loans depends on the approval procedures of major banks, after all, the process of each bank is different. Generally speaking, applicants need to fill out and submit a bank loan application before the bank will accept it. Real estate appraisal, will review loans, sign loan contracts, and handle mortgage procedures. This application process is still relatively short, just follow the steps.