Legal analysis: there are the following ways to make inquiries: 1, telephone banking: dial the service hotlines of major banks, choose manual service, and report the ID number for inquiries; 2. On-site inquiry: Go directly to the counters of major banks to inquire about personal credit records with ID cards and other related materials. 3. Inquirable information: (1) Loan information inquiry: loan account number, IOU number, repaid period, accumulated repaid principal, repaid interest, remaining period and remaining principal; (2) Query the repayment details by date (year, month, day, repayment amount); (3) Inquire about the next repayment (loan account number, loan receipt number, amount and date).
Legal basis: Article 18 of the Regulations on the Administration of Credit Information Industry shall obtain the written consent of the information subject and consent to the use of personal information by credit information agencies. However, unless the law stipulates that it can be inquired without consent. Credit institutions shall not provide personal information in violation of the provisions of the preceding paragraph.
skill
The above answer is only for the current information combined with my understanding of the law, please refer carefully!
If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.
How to inquire about the specific details of personal loans?
1. Telephone banking inquiry
Call ICBC Telephone Banking 95588→ For individual customers, please press 1→ Enter the customer number or passbook number or → For personal loan information inquiry, please press 7→ Personal loan information inquiry.
Second, the 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.
Third, consult the bank loan auditor.
You can query the repayment plan, historical repayment record and personal information adjustment of the current year. Different banks have different regulations. You can call the customer service telephone of the handling bank for specific inquiry steps.
I. Definition of loan
Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
Second, the principle of sex
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1. Loan security is the primary problem faced by commercial banks.
2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time.
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.
Third, loan interest.
Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator.
In civil law, interest is the legal fruit of principal.
How to query personal loan records?
Hello, generally speaking, there are three ways to query personal loan records, namely, through loan banks, through central bank credit information system and through private credit information system. Bian Xiao introduced the specific query methods for everyone.
Inquire through the loan bank
You can go to the bank outlets that have applied for loans and ask the staff to print the list of repayment records for you. You can see your repayment records of each period in detail in the daily account.
Inquire through the central bank's credit information system
You can go to the local central bank's credit information management center to inquire about personal loan records, or you can inquire about personal loan records through the central bank's credit information center official website. The online query method is as follows:
1, recorded in the credit information center of official website, click to enter the "Internet Personal Information Service Platform";
2. Click "Start Now" in the platform and complete the registration after entering the page;
3. After logging into the account, you can apply for personal loan records.
Inquire through the personal credit information system
Now many private credit information systems also record everyone's personal loan information. Therefore, people can check their personal loan records through them. Commonly used folk credit information systems include koala credit information, Peng Yuanzheng credit information and Huadao credit information.
Generally speaking, it is more reliable to query personal loan records through the central bank's credit information system. However, according to the regulations, everyone can check their credit records for free through the central bank's credit information center twice a year. Finally, when choosing loan products, please try to choose loan products of big brands, with transparent interest and fees, and at the same time ensure the security of your information. "Qianhua" is the original Baidu financial credit service brand (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). Its positioning is to provide personal consumer credit services for the public and create an innovative consumer credit model. The application materials are simple, with the fastest approval in 30 seconds and the fastest loan in 3 minutes. It can be repaid in advance, and the loan can be recycled after repayment. I hope this answer is helpful to you. Click on the bottom of the phone to measure the amount immediately. The maximum loan amount is 200,000.
How to inquire about personal loan information?
Personal loan information can be queried in the following ways:
Inquire through the loan bank; Inquire through the central bank's credit information system; Inquire through the civil credit information system.
Inquire through the loan bank
You can go to the bank outlets that have applied for loans and ask the staff to help print the list of repayment records. In the daily account, you can see your repayment records for each period.
Inquire through the central bank's credit information system
You can go to the local central bank's credit information management center to inquire about personal loan records, or you can inquire about personal loan records through the central bank's credit information center official website.
The method of online inquiry is as follows:
Open the Baidu 12.23.5. 10 browser in the iPhone 4. 1 version.
1, enter the credit information center official website, and click to enter the Internet personal information service platform ";
2. Click "Start Now" in the platform and complete the registration after entering the page;
3. After logging into the account, you can apply for personal loan records.
Inquire through the personal credit information system
Personal credit information system also records personal loan information.
Supplementary information:
Personal loan, also known as retail loan business, has become an important loan business after decades of development.
Personal loan refers to the loan issued by the lender to the borrower for the purchase of owner-occupied housing and the repair and construction of owner-occupied housing (excluding export housing) by urban residents.
When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
Personal loans include personal housing loans, personal housing provident fund loans, personal car loans, personal study abroad loans, personal comprehensive consumption loans, personal production and operation loans, personal credit loans, personal certificates of deposit (government bonds) and so on. There are two repayment methods, equal principal and interest repayment and equal principal repayment.
Personal loans refer to local and foreign currency loans provided by lenders (general commercial banks) to consumers or families for personal consumption, production and operation. , and agreed to loan interest, agreed to repay the principal and interest on schedule, for the purchase of owner-occupied housing, consumption or small investment business. Personal loans provided by banks are different. "
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, professional version of the key: you log in to the professional version, click on the one-card loan management personal loan query, you can query the relevant information of the loan.
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 at China Merchants Bank has been issued, please log in to the loan invitation APP, click the loan management loan record, and click the applied loan to inquire about the loan details.