Log in to online banking, and you can query the loan records in the bank card.

Take ICBC as an example:

Online inquiry:

Log in to personal online banking → click "Branch Function" → personal loan information query (query repayment plan of the current year, query historical repayment records and adjust my personal information);

At the same time, you can also use the following methods to query loan records:

Telephone banking enquiry:

Call ICBC Telephone Banking. According to the prompt: for individual customers, please press 1→ enter the customer number or passbook number or → for personal loan information inquiry, please press 7→ for personal loan information inquiry.

Bank outlets query:

I took my ID card to the Credit Management Office of the local people's bank to inquire and print personal credit reports.

Consulting bank loan auditors can find the repayment plan, historical repayment record and personal information adjustment of the year. Different banks have different regulations. You can call the customer service telephone of the handling bank for specific inquiry steps.

The consequences of loans overdue are as follows:

If loans overdue fails to pay back, the borrower will leave a bad record in the credit information system, which is an indelible stain and will affect the handling of credit business of various financial institutions.

After repeated collection, the bank confirms that the borrower is unable to repay the principal and interest of the mortgage loan at maturity, and the lending bank has the right to dispose of the mortgaged real estate to recover the principal and interest.

When the collateral is disposed of, if the amount sold cannot repay the loan principal and interest owed by the borrower, the bank will recover from the guarantor. However, this rarely happens, because banks control the mortgage interest rate of loans in order to protect their interests, and it is rare that the amount sold cannot repay the loans.

How to inquire about personal loan information

You can log in to online banking and query the loan situation through the function of "Loan Management-Loan Query and Settings", including historical transactions, application progress, contracts, remaining repayment plans, line details, overdue information, etc. You can also change the repayment account. You can also log in to the mobile banking and inquire about the loan situation through the function of "Home Page-Loan Management-My Loan", including historical repayment, overdue, remaining repayment plan, loan amount, contract and other information. You can also change the repayment account and prepay.

The above contents are for your reference. Please refer to the actual business regulations.

How to use your mobile phone to check whether you have a loan in the bank?

There are several ways to check the loan:

1. I bring my original ID card and bank card to the counter of the business hall of the loan bank for enquiry.

2. Call the customer service phone of the loan bank, and check by phone after authentication.

Third, through the mobile banking inquiry of the loan bank, taking the Agricultural Bank as an example, the specific methods are as follows:

1. Open ABC mobile banking. After entering, find the item "Agricultural Bank of China Express E Loan" and click Enter.

2. After entering the e-loan of ABC, find the item "My Loan" and click Enter.

3. After entering my loan, you can check the loan balance.

How to inquire about personal loan information?

For personal loans handled by China Merchants Bank, you can query the issued loans through self-service channels, including: repayment date, repayment method, remaining arrears, number of remaining installments, quota, start/expiration date of quota, loan status, etc. If you can't find a loan through the following channels, it means that you don't have a loan in our bank ~

1. Mobile Banking: Please check the repayment date of the loan, the amount to be repaid, the start date/expiration date of the line, the number of remaining periods, etc. In all my loan records. After entering the page, click on the loan, and you can query the repayment method, interest rate, loan status and other information.

Tips:

① If it is a provident fund loan, you need to contact the local loan handling bank or provident fund management center.

② If you can't find it through this interface, you can contact online customer service to try to understand the reason.

2. Premium Key Professional Edition: You can log in to the Professional Edition and click All-in-One Card-Loan Management-Personal Loan Inquiry to inquire about loan information.

Tips: At present, the Professional Edition doesn't support Mac system, so Apple computer can't log in to the Professional Edition.

3. Loan invitation App: If your loan from China Merchants Bank has been issued, please log in to the loan invitation APP, click Loan Management-Loan Record, and then click the applied loan to inquire about the loan details.