1. Open the mobile phone interface and click the "Industrial and Commercial Bank of China" icon.
2. Click the "Click Login" button to log in.
3. After logging in, click the "Loan" option.
4. In the loan interface, click My Loan.
5. In this interface, click Query Application Result.
6. Select the date to query and click Query to query the progress.
How to inquire about the loan progress of ICBC?
In the process of applying for a loan, people are often very concerned about the progress of the loan. Many friends don't know how to check the loan progress, but they can only worry. Today, I would like to introduce to you how to check the loan progress of ICBC, hoping to help you.
There are three kinds of query methods, and you can choose the most convenient query method according to your own situation.
1, online query.
Users can log in to ICBC official website with their own ICBC accounts and check the loan progress according to the prompts.
2. Counter-inquiry.
Borrowers can bring loan-related materials and their ID cards to ICBC outlets to check the loan progress.
3. Telephone inquiry.
The borrower can directly contact the account manager who handles the loan business for you to understand the approval progress. You can also call ICBC customer service number 95588, and then press "9" to transfer to manual service, so that the customer service staff can check the application progress for you.
How to inquire about the approval progress of ICBC mortgage?
There are many ways to inquire about the progress of ICBC's mortgage approval. You can check online through mobile banking or online banking, or you can check the progress of mortgage approval through offline channels.
1 offline inquiry: users can check the progress of loan approval at the counter of ICBC outlets with their personal ID cards, or directly contact the account manager for consultation when handling mortgage loans.
2 Online Banking Inquiry: Users need to log in to ICBC's online banking and select Favorites-Loan-My Loan-Loan Application Result Inquiry to inquire about personal mortgage approval.
3 Mobile Banking Inquiry: Log in to ICBC Mobile Banking and select Favorites-Loans-My Loans-Inquire about the loan application results and the loan approval progress.
Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides the documents that must be submitted according to the legal documents such as ID card, income certificate, house sales contract and guarantee.
After passing the examination, the bank promised to issue loans to property buyers.
And according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers, the real estate mortgage registration and notarization will be handled, and the bank will directly transfer the loan funds into the bank account of the selling unit within the time limit stipulated in the contract.
Basic introduction
Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners), also need to participate in the evaluation company and mortgage guarantee company when applying for loans.
Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that the mortgage utilization rate has reached a high level in major first-tier cities in China at the end of 20 10.
In terms of mortgage loans for house purchase, the loan ratio has reached more than 70%, and in recent years, more and more residents have applied for mortgage loans for real estate consumption by using their own names or relatives' real estate. "Mortgage" has become a way of life closely related to residents' lives.
Special policy
With no one in the house, the monthly payment will continue.
If the house is unoccupied, according to the Contract Law and other laws and the mortgage loan contract signed by the borrower and the loan bank, the borrower is still obliged to pay off the outstanding loan principal and interest. In other words, if the house falls down, the monthly payment of the house will continue to be paid.
Loans are the relationship between banks and borrowers, and houses are collateral and supplements. Therefore, the loss of the house cannot be used as a reason to stop the monthly payment.
If the relevant property insurance has not been purchased before, the house is damaged and no insurance has been purchased, the owner of the house can only bear the losses caused by the damage to the house. However, from the perspective of government assistance, the government usually gives certain compensation to the affected people, so that they can properly resettle and rebuild their homes.
When people leave, the house becomes an inheritance.
In this case, if a person dies and the property is still there, according to the relevant provisions of the inheritance law, the property will be incorporated into the person's estate. First, the heir will use this person's legacy to pay off this person's pre-life debts (including mortgage loans and other debts, of course).
However, the repayment of debts is limited to the actual value of the person's estate, and there is no legal basis for "father's debt to son". Of course, the law does not prohibit heirs from voluntarily repaying debts that exceed the actual value of the estate.
How to inquire about ICBC loans?
At present, there are three ways for ICBC to inquire about personal loans: online banking, telephone banking and bank outlets.
1. The online banking inquiry process is as follows:
Icbc online banking App: 12. 3. 2 version
Log in to personal online banking-click "Branch Function"-personal loan information inquiry (current repayment plan inquiry, historical repayment record inquiry and personal information adjustment).
2. Telephone banking inquiry process is as follows:
Call ICBC Telephone Banking 95588- Personal Customer Press 1- Enter Customer Number or Passbook Number or-Personal Loan Information Press 7- Personal Loan Information.
First, enter the words "Industrial and Commercial Bank of China" in Baidu search bar to search, and click on official website, Industrial and Commercial Bank of China.
Click the "Register" button on the homepage of official website, and then complete the online banking registration according to the webpage prompts. (ICBC's bank card and reserved mobile phone number are required for registration)
After the registration is completed, click the login button on the home page, enter the account information you just registered, and enter the home page of personal online banking.
On the homepage of personal bank, we can see the "Loan" button, and click it to see our basic loan information.
If you need to check the details of the loan information, click the "Details" button at the back to find the repayment number, date and other information.
Finally, if you want to query your repayment details, you can click "Details" at the back, enter the time period you want to query, and you can query the repayment details of this loan.
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Generally speaking, bank loans can be divided into online and offline processing channels. If you apply online, you just need to wait for system review or manual approval, but if you submit the information offline, you need to wait for a long time. What should I do if I find that the loan applied offline is not renewed for a long time?
Taking ICBC as an example, the main reasons for not being able to query the loan progress or not updating the progress in time are as follows:
First, the account manager did not enter the business into the system.
Second, the system has been online, but it has not been submitted for review.
Third, the information inquired by the data system and customers is asymmetric, and perhaps the information is delayed.
If this happens, we can:
1. Contact the account manager or the person in charge of the branch directly to inquire about the loan progress.
2. Inquire about personal credit report. If there is a bank inquiry record, it means that the loan has been reported.
3. Query personal online banking account information. If there is a loan contract number, it means that the loan has been approved successfully.
Finally, each bank has different policies, so I suggest you contact more outlets for consultation.
How to inquire about the mortgage progress/house mortgage of ICBC?
1. To download the APP menu of ICBC, you can query the correct information. Download the ICBC client in the application market first.
2. After the installation is completed, log in to your reserved mobile phone account name.
3. Click "My Account" on the homepage after logging in.
4. Find the "My Loan" point at the top, as shown in the figure below.
5. The personal loan business has not been processed, indicating that the application is being processed or the bank staff has not submitted it at all. At this point, please check the application results and click Enter. By default, the last month is selected and queried.
6. You can select the date of loan inquiry, as shown in the figure below.
7. If it has been accepted, it shows that the survey is under approval. For example, "individual first-hand housing purchase loan" will contain detailed information and trends, as shown in the figure below.
Extended data
The loan has been approved, but the loan has not been released. Reason:
1. Although the loan has been approved, there are problems in the process of lending, so I can't lend you money. At this time, you need to communicate with the staff in time.
2. No bank card. Only after the bank card is bound, the borrowing institution will lend money. This is the most basic thing for everyone to remember.
3. The speed of appropriation is a bit slow, and the speed at which each institution issues loans is different. Just wait patiently!
In any of the following circumstances, the borrower shall not issue loans:
1, which does not meet the qualifications and conditions specified in Article 17 of Chapter IV of these General Rules;
2, production, operation or investment in products and projects prohibited by the state;
3, in violation of the provisions of the state administration of foreign exchange;
4, the construction project according to the provisions of the state shall be reported to the relevant departments for approval without obtaining the approval documents;
5, production and operation or investment projects without the permission of the environmental protection department;
6. In the process of institutional changes such as contracting, leasing, joint venture, merger (merger), cooperation, division, paid transfer of property rights, and shareholding system reform. , the original loan debt is not paid off, the original loan debt is implemented or the corresponding guarantee is provided.