1. Bank official website query: You can open Baidu browser (version13.0) in the version of iPhone 13 mobile phone IOS, directly log in to the loan bank official website, find the "Personal Loan" page, click Enter, and query "My Loan Details" to find the house purchase loan contract number.

2. Inquiry of the Real Estate Administration: You can bring your ID card to the window of the Real Estate Administration where the house is purchased to inquire about your own house loan contract number, or you can directly log on to the website of the Real Estate Administration to inquire.

3. Inquiry on the website of the Housing Provident Fund Management Center: To apply for a housing provident fund loan, you can log on to the website of the Housing Provident Fund Management Department, and the account information office will have loan information. Click "Loan Information Inquiry" to find your own house purchase loan contract number.

Data expansion

Is there any difference in choosing a bank to make a mortgage?

1. Mortgage interest rate: Since banks are also safe and reliable, the lowest borrowing cost is preferred. After all, buying a house loan is not a small amount, and a slight gap can save you tens of thousands of dollars. So when you go to the bank for consultation, you must first understand the mortgage interest rate, which is directly related to the mortgage interest expense.

2. Repayment method: Although there are many repayment methods supported by mortgage, different banks may be different for different customers, and you may only be designated to repay in a certain way. Therefore, everyone should choose the repayment method that suits them best, because different repayments will have differences in interest, such as average capital and equal principal and interest. Which bank can provide a more suitable repayment method is also one of the reference standards.

3. Interest adjustment scheme: The bank can adjust the interest rate monthly, quarterly or annually during the contract period, or it can adopt a fixed interest rate method. Different banks have different rules, so you can discuss with your customers. It is suggested to know some related contents in advance before communicating with the bank. Some banks allow customers to choose, and some banks implement a unified interest rate adjustment method for customers. You can choose the one that suits you best.

4. Default interest: At present, banks have the right to decide the default interest rate of mortgage loans. The regulations of each bank are different. Generally, they will raise the loan interest rate by 30% to 50% on the basis of the loan contract. Although many people will not be overdue, they will inevitably forget to repay, so it is right to try to choose a bank with a lower penalty interest.