Will I be notified of the mortgage loan?

Will I be notified of the mortgage loan? Usually, banks will send text messages to inform borrowers that the loan has been completed after disbursing money. Under normal circumstances, you can usually receive the loan text message on the same day. It should be noted that after the mortgage loan is disbursed, the borrower will begin to make repayments as agreed. Overdue repayment will affect personal credit

A personal housing loan refers to a loan issued by the lender to the borrower. A loan for purchasing an ordinary house for self-use. Personal housing loan business is one of the main asset businesses of commercial banks. Refers to the loans that commercial banks open to borrowers for the borrower to purchase first-time housing (that is, housing developed and constructed by real estate developers or other qualified development entities and then sold to individuals).

Personal housing loans mainly have the following three loan forms:

(1) The full name of personal housing entrusted loan is personal housing guaranteed entrusted loan, which refers to the use of housing provident funds by the housing fund management center. Personal housing loans entrusted to commercial banks. Housing provident fund loans are policy-based personal housing loans. On the one hand, they have low interest rates; on the other hand, they are mainly provided to low- and middle-income provident fund depositing employees. However, since the interest rate of housing provident fund loans and commercial loans is more than 1%, both investors and ordinary people who buy houses for themselves are more inclined to choose housing provident fund loans to purchase houses.

(2) Personal housing self-operated loans are loans issued to individual home buyers with bank credit funds as the source. Also known as commercial personal housing loans and personal housing guaranteed loans.

(3) Personal housing portfolio loans refer to loans issued to the same borrower for the purchase of ordinary housing for self-use using housing provident fund deposits and credit funds as sources. It is a combination of personal housing entrusted loans and self-operated loans. . In addition, there are housing savings loans and mortgage loans.

Loan recipients

Loan recipients should be natural persons with full capacity for civil conduct. The borrower must meet the following conditions at the same time:

1. Have a permanent urban residence or valid residence status;

2. Have a stable career and income, have good credit, and be able to repay the principal and interest of the loan. Ability;

3. Have a contract or agreement to purchase a house;

4. If you do not enjoy a house purchase subsidy, you must pay no less than 30% of the total price of the house purchased as a down payment. ;Those who enjoy the home purchase subsidy shall bear 30 RMB as the down payment for the home purchase;

5. Have assets recognized by the lender as mortgage or pledge, or an organization or individual with sufficient repayment capacity as a guarantor ;

6. Other conditions stipulated by the lender. Will the bank notify you when lending?

The bank will notify the lender after disbursing the loan, and the notification method is determined by the bank itself.

The loan shall be repaid according to Article 32 of the "General Rules of Loans". The borrower shall repay the loan principal and interest in full and on time in accordance with the loan contract. The lender shall send a notice of principal and interest repayment to the borrower one week before the expiration of a short-term loan and one month before the expiration of a medium- and long-term loan; the borrower shall prepare funds in a timely manner and repay the principal and interest on schedule.

Lenders must promptly issue collection notices for overdue loans and do a good job in collecting the principal and interest of overdue loans. If the loan cannot be repaid within the time limit stipulated in the loan contract, the lender shall impose penalties and interest in accordance with regulations; if the loan cannot be repaid or cannot implement the repayment of principal and interest, it shall urge the repayment or prosecute in accordance with the law. The borrower must negotiate with the lender to repay the loan early.

Article 45 The lender may agree in writing with the borrower that if the borrower fails to repay the principal and interest on time, the lender may deduct the amount from the borrower’s account opened at the lender’s business institution. Loan principal and interest, and promptly notify the borrower.

Extended information:

The rights of the lender in Article 22 of the "General Provisions of Loans". Independently review and decide loans based on loan conditions and loan procedures. Except for specific loans approved by the State Council, it has the right to refuse any unit or individual to force them to issue loans or provide guarantees.

1. Require the borrower to provide information related to the loan;

2. Decide whether to lend or not, loan amount, term and interest rate, etc. based on the borrower’s conditions;

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3. Understand the borrower’s production, business and financial activities;

4. Transfer the loan principal and interest from the borrower’s account in accordance with the contract;

5. If the borrower fails to perform the obligations stipulated in the loan contract, the lender has the right to require the borrower to return the loan in advance or stop paying the borrower's unused loan in accordance with the contract;

6. The loan will be subject to or When a loss has been incurred, measures can be taken to protect the loan from loss in accordance with the provisions of the contract.

Baidu Encyclopedia - Loan General Principles: Will the Postal Savings Bank of China notify the seller by text message when disbursing money?

Users apply for Postal Savings Bank of China loan. After the loan is successful, Postal Savings Bank of China will send a text message to notify the user. . If the user passes the loan review and the loan is successfully disbursed, the user will receive a text message from the Postal Savings Bank. However, when applying for an online loan, the final success of the loan depends on the arrival of the loan funds. The text message will only serve as a notification, and receiving the text message does not necessarily mean that the loan funds will be successfully obtained. The bank has released the loan. When will I receive the text message?

;? Taking out a loan to buy a house has always been the only choice for most people when buying a house. Although the country introduces some mortgage policies every year to control the growth of housing prices, in some cities with relatively good economic development, Buying a house with full payment is still an option that many people cannot achieve. A friend asked me if the bank has issued a loan. When will I receive the text message?

The bank has released the loan. When will I receive the text message? Generally speaking, the bank will notify the lender that the house payment has been received before disbursing the loan. Most banks will send loan text messages between 3 pm and 6 pm, and the money will be transferred to the developer's account on the same day or the next afternoon. If the lender finds that the bank has disbursed the loan, but does not receive the disbursement text message. It is most likely because the bank has notified the lender through other methods, such as phone calls. After other methods have been used to inform the lender that the housing loan has been received, the bank no longer needs to use text messages to notify the lender. Under normal circumstances, banks will complete the loan within 15 working days after the borrower's mortgage loan is approved. If a borrower is unable to wait for a loan from the bank, it may be due to long holidays, tight bank mortgage quotas, etc. Lenders can call customer service of the bank to find out the details. If it is because the country has released a new mortgage policy and banks need to readjust their mortgage business according to the policy, then the lender may need to wait longer. If it is because there are consumer loan and other loan records on the borrower's personal credit report, the bank will also delay the loan. The above is the sharing of relevant content about "the bank has issued a loan, when will I receive the text message", I hope it can help everyone!