How to check the Shanghai Pudong Development Bank loan contract number

The bank loan contract number will usually be written clearly in the upper right corner of the loan contract. You can check your loan contract. If you have If there is no loan contract, you can go to the bank counter to inquire, or call for consultation.

Personal loans.

Conditions, procedures and precautions for personal loans

Types of personal loans

Personal loans are classified according to product purpose, including personal housing loans, personal consumption loans, Personal business loans, etc.; classified according to the guarantee method, including personal credit loans, personal pledge loans, and personal guaranteed loans.

Basic conditions for applying for a personal loan

1. Personal qualifications must meet the standards

After the lending institution accepts the loan application, it will collect the borrower’s real estate, income, and occupation. Comprehensive assessment of loan qualifications based on aspects such as credit, academic qualifications, etc. Among them, financial resources, occupation, and income are all important criteria. Generally speaking, employees of state-owned enterprises and civil servants are more likely to be approved. This group of people are often regarded as "high-quality customers" by lending institutions.

2. The loan information must be complete and true

To apply for a personal consumption loan, the borrower needs to provide his or her valid identity certificate, marriage certificate, income certificate and other valid financial certificates. These information It is best to be prepared before taking out a loan, and it must be true and reliable, and avoid fraud.

3. Determine the loan amount and term

If the borrower uses personal credit as a guarantee to apply for a loan, the maximum amount can reach 500,000; if a house is used as a mortgage, the maximum amount can Up to 70% of the appraised value of the house. However, these are only limitations on the maximum loan amount set by the lending institution. The specific amount that can be loaned must be determined based on the qualifications of the borrower. However, the borrower must also determine the loan amount and term based on his or her own situation to prevent repayment pressure. Too big to repay the loan.

4. Choose the right repayment method

When borrowers choose a repayment method, they should make a comprehensive decision based on their repayment ability and loan term. If the loan term is less than one year, you can consider one-time repayment of principal and interest. If it is more than one year, and you have high income and strong repayment ability, you can consider equal amounts of principal. If you have average repayment ability, you can consider equal amounts of principal and interest.

The basic process of personal loans:

1. Identify the influx of loans and choose the type of loan that suits you;

2. Choose a bank and understand each bank Loan policies, requirements, interest rates and other regulations;

3. After selecting the bank, prepare various loan materials according to the requirements of the account manager;

4. During the processing period, communicate with the customer at any time Keep in touch with the manager to understand the processing situation and cooperate to solve the problem;

5. Sign the loan contract and complete the loan procedures;

6. After the loan is successfully issued and used, repay it in a timely manner according to the agreement payment.

Personal small loans have the following loan risks:

1. The personal credit system is not perfect. Personal consumption credit risks mainly come from the borrower's repayment ability and personal credit risk, that is, The fluctuation range of personal income and level of moral quality, among which personal credit status is also closely related to the credit environment of the entire society.

2. Commercial banks have flaws in their own management, resulting in increased potential risks. At present, although domestic commercial banks continue to strengthen system construction, the overall management level is still not high, and it is difficult to escape from the "if you let go, it will be chaos, if you catch it, it will be chaos." Just die” cycle. Relevant laws and regulations are not perfect, and my country currently does not have a national law that uniformly regulates consumer credit activities and adjusts consumer credit relationships.

3. Unplanned issuance of consumer credit creates huge hidden risks. In recent years, in order to expand profitability and seize market share, various commercial banks have encouraged branches to vigorously develop personal consumer credit business.

When applying for a personal loan, you should pay attention to the following issues:

1. The loan amount you apply for should be within your ability. Usually, the monthly repayment amount should not exceed 50% of the total household income;

2. The purpose of the loan must be legal and compliant, and the transaction background must be true;

3. Choose a repayment method that suits you based on your repayment ability and future income expectations;

4. The information provided to the bank must be true, the address and contact information provided must be accurate, and the bank must be notified promptly when changes are made;

5. Carefully read the terms of the contract and understand your rights and obligations;

6. Repay the loan on time to avoid a bad credit record;

7. Do not lose the loan contract and IOU. For mortgage loans, do not forget to cancel the mortgage registration after paying off the loan. Where to check the loan contract number

How to check the loan contract number:

1. Check through the bank's official website, log in to personal online banking, and find the loan details to check.

2. To check the loan contract number through the lending institution, you generally need to provide your personal ID card.

3. Check the contract number through the loan contract, which is usually on the upper right side of the cover of the loan contract, or on the first few pages.

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Extended information:

1. How to number the loan contract:

The loan contract is numbered as follows:

1. First-level numbering. Depending on the type of contract, the first-level number is represented by two capital letters, which are the first initial consonants of the first two Chinese characters of the contract type;

2. Second-level number. The second-level number is generally the year, month and day of the day;

3. The third-level number: The third-level number is the number of copies of the contract issued on that day, from 01 to 99;

4. The same All types of contracts in a lending relationship must be consistent in their secondary numbers and tertiary numbers.

2. Loan Contract The loan contract shall be in written form:

1. Loan subject matter. The subject matter of the loan contract must be currency.

2. Types of loans.

3. Loan amount. The loan amount is the subject amount of the loan contract.

4. Purpose of borrowing. The purpose of the loan must be clearly specified, and the loan must be earmarked for the specified purpose.

5. Loan period.

6. Borrowing interest rate. The loan interest rate must be specified in the loan contract.

7. Repayment. When the loan matures, the borrower shall repay the principal and interest in full.

8. Liability for breach of contract.

9. Guarantee conditions.

10. Dispute resolution.

11. Other terms agreed upon by both parties.

3. Can private lending contracts be terminated?

Private lending contracts can also be terminated, but they need to meet agreed or statutory conditions. Specifically, private lending contracts that can be terminated are mainly divided into the following three situations:

1. The two parties have agreed in advance that the private lending contract can be terminated under specific conditions;

2. , both parties terminate the private lending contract through negotiation during the performance of the contract;

3. The situation stipulated by law occurs, which makes the contract unable to continue to be performed, and the law gives one or both parties the right to terminate the contract right. How to check the Shanghai Pudong Development Bank loan contract number?

The query method for Shanghai Pudong Development Bank’s loan contract number is as follows:

1. Branch query

I bring my original ID card to the handling bank to query the loan contract number.

2. Mobile query

Download the Shanghai Pudong Development Bank mobile APP. In the loan column, you can check the current loan status, such as loan amount, repayment status, etc. The loan contract number can also be found here. Inquiry.

3. Telephone inquiry

Users can call the Shanghai Pudong Development Bank customer service hotline, choose manual customer service to provide ID card and other information, and ask customer service personnel to help query the loan contract number.