Many buyers will choose loans to buy a house, and the bank will transfer the house payment to the seller's or developer's account, and the buyers will repay according to the relevant agreement. After paying off the mortgage for a period of time, people will want to know their repayment situation and how many loans they need to pay back. So how can they inquire about their mortgage information? Next, Bian Xiao will briefly introduce it to you.
1. You can bring your ID card to the credit department of the loan bank to check your mortgage information. Usually, this way can not only know your loan balance, but also let the bank help print the repayment information within one year. In addition, you can also call the bank's customer service phone to inquire about your mortgage information. Usually, this method can only check the loan balance.
2. If we have opened the online banking of the loan bank, you can log in to the registered loan bank app. For example, open the login ABC app, click ABC Express E Loan in the page, and then click My Loan in the page to inquire about the loan situation. This method is not only simple and quick, but also can find out your loan amount and repayment record in detail.
3. There may be differences in loan interest, down payment and loan requirements of different banks. When you apply for personal housing loan, you can consult more banks. Banks usually introduce a variety of repayment methods, such as equal principal and interest, average capital and so on. Different repayment methods have their own advantages. Please ask the bank staff to calculate the monthly payment of different repayment methods and choose the most suitable and affordable repayment method.
4. Some lenders have enough funds in their hands, and they will want to repay in advance, which can save a lot of interest. However, banks usually have relevant agreements on early repayment, such as paying liquidated damages for early repayment within a few years. Before applying for a loan, it's best to know the relevant regulations of the bank on prepayment.
Bian Xiao: Bian Xiao will give you a brief introduction about how to check your mortgage information. I hope that after reading this article, I can provide reference and help when I inquire about my mortgage information in the future.
How to inquire about the housing loan of China Bank?
To apply for personal commercial loan of BOC, you can log in to BOC Mobile Banking and inquire about the repayment date, amount, principal, interest, remaining installments and overdue status of the loan in "Loan-Loan Inquiry".
The above contents are for your reference. Please refer to the actual business regulations.
How does online banking view the balance of housing loans?
Generally speaking, there are three ways to query:
The first type: the lender can personally go to the loan department of the loan bank outlet with his ID card.
One of the biggest benefits of this is that the lender can not only inquire about the loan balance, but also ask the bank to help print the repayment schedule within one year after the inquiry, so that you can clearly understand the loan situation within one year.
The second type: query through online banking.
1. Lenders can check the loan balance without leaving home after opening online banking. Lenders can usually use "personal loans", such as Agricultural Bank of China.
2. "My loan"
3. "Loan inquiry"
Such a path to operate. This method is the simplest. Through online banking, you can not only query the loan balance, but also query the repayment records and other information.
The third type: through the bank customer service telephone inquiry.
Lenders can also call the customer service phone of the loan bank to inquire, but this method can only obtain the single information of the loan balance, and can't know the monthly repayment situation before and after.
Second, what should I pay attention to when buying a house loan?
1, the loan amount and loan term should be clearly planned.
The loan amount and loan period should be clearly planned. When choosing the loan amount, we should plan the loan amount and loan period according to our own economic situation and income. Don't try to borrow as much as possible, and extend the repayment time as much as possible.
2. Provide true and reliable loan information when applying for a loan.
When applying for a loan, you need to provide true and reliable loan information, and the bank will ask the borrower to provide all kinds of information. However, some property buyers will forge and provide false information in the case of incomplete information, and there is a great risk of "fraud" when applying for loans. Once it is discovered by the bank, it will not only fail to apply for a loan this time, but also be blacklisted by the bank, and it will be difficult to apply for a credit card in the future.
3. Remember to pay back on time.
Also remember to repay the loan on time. After the loan is processed, you must remember to repay it on time. Many people apply for provident fund loans. Lenders should not only pay attention to transfer money to the repayment account on time and at a fixed amount, but also pay attention to whether the work unit helps you pay the provident fund in time. Otherwise, there may be a registration of late repayment, thus leaving a bad credit record for credit investigation.
4. Don't repay the loan less than one year in advance.
Generally speaking, you should not repay the loan in advance for less than one year. Loan to buy a house, there was not enough money at that time. However, some property buyers will choose to repay the loan at a certain time in advance to reduce the economic pressure and shorten the loan period, thus reducing the interest paid. However, if the prepayment is less than one year, the bank will charge liquidated damages, which will not only save money, but even waste money.
After Bian Xiao's patient introduction, I believe everyone has a deeper understanding and understanding of how to inquire about the mortgage balance. It is important to note that you can choose your favorite query method. If you have any other legal questions, please consult China Travel Service. Com, always by your side.
Disclaimer: This work is the integration of the author's knowledge of laws and regulations, government official website and the Internet. If the content is wrong, please contact the report to delete it.
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Where can I check the housing loan amount in the bank card?
Answer: (1) You can log in to the online bank of the issuing bank for inquiry. When logging in, you are prompted to enter the password. You must enter the inquiry password (not the withdrawal password) that the bank counter staff asked you to enter for the first time when opening the card at that time, otherwise you cannot log in. If you want to get more detailed query results, you can also go to the counter of your issuing bank and ask for a detailed list (with ID card).
(2) You can bring your ID card to your issuing bank to open professional online banking, which is very convenient for you to use. You can not only inquire, but also operate other businesses (such as transfer, remittance, demand deposit, subscription fund, payment of enterprise fees, mobile phone fees, foreign exchange business, etc.) by yourself. ).
This concludes the introduction of how to inquire about the loan amount of a house and how to inquire about the details of the loan amount of a house. I wonder if you have found the information you need?