How to use SMS banking for principal loans

The purpose of a reminder letter is to collect the money on time, and the letter is nothing more than a reflection of your repayment plan. If the cooperation is good and the arrears are normal, just give the customer a specific repayment plan. If you really have financial difficulties, you can also write it down, hoping that the other party will understand and grant a grace period for repayment; if there are problems with the execution of the contract, you can Describe the problem clearly and ask the other party to provide solutions and plans for the problem.

1. Dear Mr./Ms. xx from xx Bank, you have been in arrears of xx yuan in xx bank for 3 months. Please repay in time within two days to avoid affecting your credit report. Consultation hotline xx !

2. Dear Mr./Ms. xx from xx Bank, hello! This is the staff of xx Bank. As of xx, month xx, xx, your xx installment has not been deposited yet. Please contact us at Repay the loan on xx day and on time, otherwise it will affect your credit report. Consult hotline xx!

3. Dear Mr./Ms. xx from xx Bank, you are maliciously defaulting on xx bank yuan for many years. If you are seriously overdue for the second time and have refused to answer our phone calls many times, please repay the loan in time on xx, otherwise it will be handed over to the Legal Affairs Department and an external reminder company will be entrusted to take over! Consulting hotline xx!

Urgent reminder How to write a text message?

Dear Mr./Ms. xx from xx Bank, you have been in arrears of xx yuan in xx bank for 3 months. Please repay in time within two days to avoid affecting your credit report. Consult hotline xx!

Dear Mr./Ms. xx from xx Bank, hello! This is the staff of xx Bank. As of xx, month xx, xx, your xx installment has not been deposited yet. Please pay by xx and Repay the loan on time, otherwise it will affect your credit report. Consult hotline xx!

Dear Mr./Ms. If you refuse to answer our phone calls many times, please make timely repayment on xx day, otherwise it will be handed over to the legal affairs department and an external reminder company will be entrusted to take over the processing! Consultation hotline xx!

Dear Mr. xx from xx bank /Ms., I took out a loan of RMB x million from xx bank and violated the contract many times. I maliciously delayed the repayment of the second installment of the loan and it was extremely bad. The repayment is limited to xx days. Otherwise, I will be blacklisted by the bank and send a lawyer to remind me. Convince, and appoint a collection company to come to collect collection, you know! Consultation hotline xx!

CCB mortgage overdue SMS format

Probably Dear Mr. xxx/Ms. xxx, your xxx credit card has expired, and there is Some banks will write the time, but some do not. Please repay quickly. Please contact xxxx (bank customer service) for details. However, generally speaking, most overdue credit cards are marked as overdue. Overdue not only has a 5-year late payment fee for the minimum unpaid portion. (minimum 10 yuan), full penalty interest on the bill

How to write the content of formal collection text messages?

Attached are several reminder text message templates:

Hello, our company feels that you are a trustworthy customer, so we will make an exception and ship the goods to you first. For the sake of our long-term cooperation, you Can you pay our company before 16:00 tomorrow?

XXX, I am very anxious for money. Can you give me the money you owe me tomorrow?

XXX, do you have enough money? I'm in a hurry for money.

Hello, your company has accumulated payment in RMB that we owe to our company. For the sake of our long-term cooperation and to avoid unnecessary impacts, please settle the account as soon as possible, thank you!

As of the 31st of the year, our company still has an amount owed by your company in RMB (uppercase RMB) in its accounts. According to the relevant contract agreement with your company, your company should pay the above amount before the year, month and day, but our company has not yet received the payment. Therefore, we kindly ask your company to pay the above amount to our company in a timely manner in the near future.

Related introduction:

Collection is a civil act to remedy corporate bad debts or personal debts. The two parties involved in collection are the creditor and the debtor. If the debtor is unable or unwilling to repay the debt, the debt collector will use some civil methods to put pressure on the debtor and urge it to fulfill its debt.

The target of collection is "bad debts". When companies or individuals are unable to recover bad debts or arrears, the collection industry is born.

As the saying goes, "Whatever you borrow must be repaid." However, since human society has had economic exchanges and lending relationships, it has been "what you borrow may not necessarily be repaid."

As early as the Tang Dynasty, our country had laws restricting those who were unable to fulfill their obligations and repay their debts. The Miscellaneous Laws in Volume 26 of Tang Code stipulates: "Any debt that violates the contract and fails to pay for more than one day will be punished with twenty whippings for twenty days, an additional level for twenty days, sixty punishments for crimes, and two levels for thirty days.

One hundred 疋 is added to the third level, and each order is to be reimbursed. ""疋" means "horse". This law stipulates that if the debt reaches the value of 1 piece of cloth, if the debt is not repaid within 20 days, the debt will be punished. The punishment will be 20 "canings", with one additional level added every 20 days until it is upgraded from 20 canings to 60 canings. If the debt reaches 30 horses, the second level of punishment will be added to the 60 strokes of the cane. If the debt reaches 100 horses, the third level of punishment will be added, which is 90 strokes of the cane.

How to write a text message from the bank to collect loan interest?

The template is as follows:

Dear user: Sir/Ms., you purchased a brand model from our company on the year, month and day; your repayment time starts from the month. If you repay before the month to date, you should repay the down payment in installments in the current period; you should repay the financing amount in RMB; please prepare funds in advance to ensure repayment in full and on time. Thank you for your cooperation!

Attention: Here is the debt notice issued by the Overdue Affairs Center to the husband and the contact person! The gentleman is still in arrears and has made multiple phone calls to no avail. He has seriously violated the terms of the contract and failed to repay on time. Please return the money before 5 pm on the day you receive this notice. Otherwise, according to the contract, According to the relevant terms, we will take corresponding measures to recover the remaining arrears from you! If the overdue situation is particularly serious, the legal affairs department will be notified immediately to issue you a breach of contract lawyer's letter and file a judicial lawsuit with the local area!

Hello, Miss Pan! Mr. Wen Huayan, the sixth installment of Everbright Bank's loan of 99,000 yuan is overdue today, and the current overdue amount is 5,006 yuan. Based on the fact that you have repeatedly overdue repayments within six months, refused to answer calls many times, behaved badly, and the circumstances were serious, the bank requires that the overdue amount of 5,100 yuan for this period must be deposited before 12 noon today and forwarded to the account by text message. Otherwise, please prepare the money and go to Everbright Bank Guangzhou Branch during working hours this afternoon to settle the remaining principal of 86,726 yuan. Please know! Please reply when received! (Within 6 repayment periods, the situation is bad)

What does the bank’s deduction text message look like when repaying a mortgage?

1. Mr. XX of Postal Savings Bank, your savings account with the last number 7121 has a current balance of 1,512.99 yuan at 8:00 on February 25. The principal and interest of the personal second-hand housing loan of 2,686.44 yuan will be deducted on February 28. , please make a re-deposit of 1173.45 yuan before 16:00 on February 28 to avoid affecting your credit record. If the People's Bank of China adjusts the loan interest rate, the actual deduction amount will be adjusted. Please call 95580 for details. Thank you for your understanding and support!

2. Dear Bank of China customers, your mortgage repayment amount this month is 1,616.54 yuan, and the due payment date is 01. If your repayment account balance is insufficient, please deposit it to [Bank of China] in time

Extended information:

Bank card debit refers to the agreement between the customer and the company to automatically pay communication fees through debit through a designated bank card. Customers only need to sign a contract at the company's business hall counter and bind their bank card to activate the business. After the contract is signed successfully, the system initiates a deduction instruction to the centralized bank card deduction platform, and the bank card deduction platform debits the bank card bound to the customer to complete the payment.

The deduction rule is to withhold payment from the company’s sales. In the transfer and settlement business, when an individual enterprise is unable to repay various payments due to insufficient funds, it should follow the provisions of the State Council: the enterprise's income from sales must first set aside monthly wages and major repair funds.

After withholding the above two funds, if the enterprise cannot pay taxes, profits, return loans and payments at the same time, the funds can be deducted in the following order:

① Taxes to be paid; ② Repayment of bank loans; ③ Repay other units for goods; ④ hand over profits, depreciation funds and other income. The order of deductions correctly handles the relationship between the country, enterprises, and individuals.

In order to avoid mortgage risks, banks generally require borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient repayment capabilities. If you can find friends or relatives who are willing to provide guarantee and have financial strength, they can issue a written document and credit certificate for the bank willing to guarantee. If not, you need to go to a professional guarantee company and they will provide a guarantee. The fee paid at this time is the mortgage guarantee fee.

Personal housing loans refer to loans issued by banks to borrowers for the purchase of ordinary houses for self-use. Borrowers must provide security when applying for a personal home loan. There are three main types of personal housing loans: entrusted loans, self-operated loans and portfolio loans. Entrusted loans

Personal housing entrusted loans refer to loans issued by banks to individuals purchasing ordinary housing in accordance with specified requirements, using housing provident fund deposits as the source of funds, and in accordance with the entrustment of the housing provident fund management department. Also called provident fund loan.

The above is an explanation of the bank mortgage collection SMS template and the content of the bank mortgage collection SMS template. If you want to know more about this, remember to bookmark and follow this site.

Tag: Bank mortgage collection text message template

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China Construction Bank loan repayment text message

Hello! Please note that this may be a text message, and scammers sometimes pretend to be bank staff and send it to you. Therefore, it is recommended that you first go to the bank counter or call the bank customer service and confirm with the staff first.

What does CCB loan SMS look like?

When your debit account has insufficient funds, a text message will be sent to your mobile phone five days in advance: Dear XXX, your loan account XXXX in China Construction Bank will be debited and repaid before X, month, X, 201X The amount is XXXX.XX yuan, please deposit in the debit account in time. [Construction Bank] 95533 This is free after you apply for a loan. If you activate the SMS reminder service, you will receive a text message after the deduction: Your account with the last number XXXX spent XXXX on X, month, X, 201X: XX .XX yuan, the transaction is to recover the principal and interest of the loan. This is a paid service sent by 95533 or 106XXXX95533 (the sending number varies from place to place). Some words are different, and the format is as follows

Relevant regulations for personal housing loans of China Construction Bank:

Repayment method: Loan If the loan term is within 1 year (including 1 year), the repayment method of one-time repayment of the due principal and interest shall be adopted; if the loan term is more than 1 year, the equal principal and interest, equal principal repayment method, etc. may be adopted.

Loan guarantee: mortgage, pledge, guarantee, mortgage plus periodic guarantee and other guarantee methods, one or several loan guarantee methods can be used at the same time.

Documents that should be submitted when applying for a loan:

(1) Identity document;

(2) Documents proving the borrower’s repayment ability;

(3) Legal and valid house purchase (construction, overhaul) contract, agreement or (and) other approval documents;

(4) Down payment certification materials;

(5) Loan guarantee materials;

(6) Other documents and information specified by the lending bank.

Process

1. Loan application: The customer fills in and submits the application form and application materials specified by CCB.

2. Pre-loan investigation and interview: CCB interviews the borrower and conducts pre-loan investigation, etc.

3. Loan approval: China Construction Bank conducts loan approval.

4. Sign the contract: After the customer's loan is approved, the customer signs a loan contract with CCB.

5. Loan disbursement: CCB will disburse loans after meeting the conditions.

6. Customer repayment: Customers repay on time as agreed.

7. Loan settlement.

What information will you receive if the loan is successful?

After the loan is successful, the applicant will usually receive this text message: Dear xxx, your xxx loan has been reviewed and successfully received. xxx yuan, please withdraw and use it in time and repay it on time. Because each lender or bank's information template is different, the information you receive may vary. However, words such as the name of the lending institution, approval, loan period, repayment date, etc. will appear.

1. The reason why you will receive information if the loan is successful

Generally speaking, after submitting the loan application and the loan application is approved, the customer service of the loan institution will notify the loan by calling However, due to the large base of loan application users, all of them need to be notified by phone one by one, which requires a lot of human resources, which will lead to low work efficiency and waste of resources. Therefore, the loan application will be notified to the loan applicant by text message, telling the lender that the loan has been successful. If the loan application is not approved, the loan applicant will also receive a text message. This is how the lending institution informs the lender of the final result of the loan application. With the continuous development of social informatization, this is a very convenient method. SMS is an affordable channel. Most lending institutions use this method to notify the lender. After receiving the successful loan application information, the applicant can generally check the approval result on the loan official website, or verify the loan result by calling the loan customer service number and confirm receipt of the text message. of authenticity.

2. Precautions for receiving information on loan success

After receiving information on loan success, if you want to verify whether the information stated in the text message is true, you can log in to the official website of the lending institution to check, or call for a loan The institution’s customer service phone number can confirm the loan result, or you can directly go to the lending institution for consultation and verification. If you have not submitted a loan application but received a successful loan message, you need to be more vigilant. Do not reply or call the phone number in the text message at will. Do not click on the links in the text message at will. Be careful to avoid receiving text messages. To avoid unnecessary property damage. If you have indeed not applied for a loan but receive information that the loan has been successful, the safest thing to do is to ignore it and don't fall into the scammer's trap just because you are greedy for petty gains. Sometimes the text message sent by the lending institution does not necessarily mean that the loan is successful. It may also mean that the applicant has submitted a loan application to the lending institution before, but the application failed due to some reasons. The lending institution will also send messages from time to time. Some advertisements are pushed to users, and users should pay attention to identify them. Users can also set up harassment interception to no longer receive this promotional advertisement.

That’s it for the introduction of loan SMS templates.