How to edit loan business text messages

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! (Repayment within 6 periods, the situation is bad)

What is the content of the bank loan SMS?

The specific content of the text message sent after the mortgage loan is disbursed is:

(1) Loan amount,

(2) Loan period,

(3) Monthly repayment amount, reminder for timely repayment

Mortgage loan refers to:

(1) A type of loan business conducted in the form of mortgage. For example, a home mortgage loan is a personal home loan business in which the home buyer uses the home purchased as a mortgage and the real estate company where the home is purchased provides a periodic guarantee.

(2) The so-called mortgage means that the mortgagor transfers the property rights of the house to the mortgage, and the beneficiary acts as a guarantor for the loan repayment. After the mortgagor repays the loan, the beneficiary immediately transfers the property rights of the house involved to the mortgagor. The mortgagor has the right to use the property.

For mortgage loans, the bank will notify you via text message or phone call. If it is a purely commercial loan to buy a house, after the bank approval is completed, if the bank has a quota, it will directly disburse the loan. If it is a combination loan, the quota of the Provident Fund Center will also be involved, and this time will be relatively slow. The speed of lending also has a lot to do with whether the local real estate market is hot. For example, if there are a lot of people buying houses and they gather together to buy houses, then the bank will easily have insufficient credit lines, and you will need to wait for more than half a year, or even a year. Under normal circumstances, commercial loans usually take about three months, and provident funds can disburse funds in about half a year.

It is common for some banks to have loan backlogs of three to four months. Bank loan procedures: First, loan application. If a borrower needs a loan, he or she shall apply directly to the sponsoring bank or the handling agency of another bank. The borrower should fill in the "Loan Application Form" including the main contents such as the loan amount, purpose of the loan, repayment ability and repayment method, and provide the following information: 1. Basic information of the borrower and guarantor; 2. Approved by the financial department or accounting audit firm. Annual financial report, as well as the financial report for the period before applying for a loan; 3. Correction of the original unreasonably occupied loan; 4. List of mortgages, pledges, and proof of the consent of the person with the right to dispose of the mortgage and pledge, and the guarantor’s proposed agreement to guarantee Relevant supporting documents; 5. Project proposal and feasibility report; 6. Other relevant information deemed necessary by the lender. The second is bank acceptance review. 1. After receiving the "Loan Application" and relevant information submitted by the customer, the bank will verify the customer's situation and compare it with the bank's loan conditions to determine whether it meets the conditions for establishing a credit relationship. 2Evaluate the borrower’s credit rating.

The borrower's credit rating is assessed based on factors such as the borrower's leadership quality, economic strength, capital structure, contract performance, operating efficiency, and development prospects. Ratings can be conducted independently by the lender, held internally, or by an appraisal agency approved by the competent authority. 3. Loan investigation. After accepting the borrower's application, the lender will investigate the borrower's credit rating and the legality, safety, and profitability of the loan, verify the collateral, pledges, and guarantors, and determine the risk of the loan. The reviewers verify and evaluate the information provided by the investigators, retest the loan risk, put forward opinions, and submit for approval according to the prescribed authority. The third is to sign a loan contract. If the bank determines that the borrower meets the loan conditions after reviewing the loan application and agrees to the loan, it will sign a "Loan Contract" with the borrower. The loan contract shall stipulate the loan type, purpose, amount, interest rate, term, repayment method, the rights and obligations of the borrower and the lender, liability for breach of contract and other matters that both parties deem necessary to agree on.

How to write a bank message to collect loan interest?

The format is as shown in the picture. There will also be laws and regulations

Not only will there be a late payment penalty of 5% for the minimum unpaid portion (minimum 10 yuan), but also a penalty interest on the full amount of the bill (daily interest rate of 0.5%, interest will be calculated starting from the day of consumption, calculated on a monthly basis). The interest will be collected until the principal and interest are paid off), and it will also produce a bad credit record in the Credit Reference Center of the People's Bank of China, which will affect your application for credit cards and bank loans within 2 years. If you are overdue for more than three months or fail to repay more than two bank reminders, the bank will freeze your deposits and list you as a prohibited customer (blacklist). At the same time, you may be forced to take out a loan.

Article 196 of the Criminal Law stipulates that anyone who engages in loan activities with a relatively large amount shall be sentenced to not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances , shall be sentenced to not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the fine shall be not less than 10 years but not more than 50,000 yuan but not more than 500,000 yuan. Fines or confiscation of property.

How to write the content of loan text message?

You can try Ping An Puhui for loans. You can apply directly online. You can choose the product that suits you. There is no upfront payment, it is safe, simple and fast. I hope it can help you.

Loan application process:

1. The borrower submits loan application materials to Ping An Puhui;

2. The application materials submitted by the borrower undergo preliminary review;

3. Ping An Puhui will review and approve loan applications that pass the preliminary review and credit investigation and meet the loan conditions;

4. If they pass the review and approval, the borrower will be notified to sign the contract, loan, Mortgage or pledge and other related procedures; if the approval is not passed, an explanation must be provided to the borrower;

5. The loan contract takes effect and the loan is issued;

General bank clerks use their mobile phones How to send text messages to customers to remind them whether they need a loan

Generally, bank clerks use their own mobile phone numbers to send text messages to customers to remind them whether they need a loan. The method of sending is as follows

You OK, see if you need funds in the near future. Our company's newly launched products require no mortgage and have low interest rates. If you need it, you can contact me.

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 with 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 contact us on 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-mentioned 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 of Volume 26 of the Tang Dynasty Code stipulates: "Any debt that violates the contract and cannot be paid for more than one day will be punished with twenty whippings for twenty days, one level for twenty days, sixty punishments for crimes, and two levels for thirty days."

Baizi will be added to the third level, and each order will be compensated. "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 person will be punished with 20 "canings", and one additional level will be added every 20 days. Until the punishment is upgraded from 20 whippings to 60 whippings. If the debt reaches 30 horses, the second class punishment will be added to the 60 whippings. If it reaches 100 horses, the third class punishment will be added, which is 90 whippings. .

How to write a text message for bank loan interest collection?

The template is as follows:

Dear user: Sir/Ms., you purchased from our company on the year, month and day. The brand model is one unit; your repayment time starts from the month, and you repay before the end of each month. The down payment installment should be repaid in the current period; the financing amount should be repaid in yuan; please prepare funds in advance to ensure repayment in full and on time. Thank you for your cooperation!

Attention: Here is the overdue affairs center’s notice of arrears to the husband and the contact person! The husband is still in arrears and has made repeated calls to collect the debt, which has seriously violated the contract. If you fail to repay on time, please return it before 5 pm on the day you receive this notice. Otherwise, according to the relevant terms of the contract, corresponding measures will be taken to recover the remaining arrears from you. If the overdue situation is particularly serious! , we will immediately notify the legal affairs department to issue you a breach of contract lawyer's letter and file a judicial lawsuit with the local government!

Hello, Mr. Wen Huayan, the 6th installment of the Everbright Bank loan of 99,000 yuan is overdue today! , the current overdue amount is 5,006 yuan. Based on the fact that you have repeatedly overdue repayments within six months and refused to answer calls many times, and your behavior is bad and the circumstances are serious, the bank requires that the current overdue amount of 5,100 yuan must be paid before 12 noon today and forwarded to Otherwise, please prepare the money to settle the remaining principal of 86,726 yuan at Guangda Bank Guangzhou Branch during working hours this afternoon. Please reply when you receive it! (Repayment within 6 periods, the situation is bad)

What does the bank chargeback message look like for mortgage repayment?

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. On February 28, the principal and interest of the personal second-hand housing loan will be deducted for 2,686.44 yuan. Please deposit 1,173.45 yuan before 16:00 on February 28 to avoid affecting the credit record. If the People's Bank of China adjusts the loan interest rate, the actual deduction amount will be adjusted. . For details, please contact 95580. Thank you for your understanding and support!

2. Dear Bank of China customer, your mortgage repayment amount this month is 1616.54 yuan, and the payment due date is 01. If the account balance is insufficient, please deposit it to [Bank of China] in time

Extended information:

Bank card withholding refers to the agreement between the customer and the company to automatically pay the communication through the designated bank card through withholding. cost. 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 salary and overhaul funds for the month. 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 capacity.

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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