Hello, you can check the loan information through the following channels.
1. Zhang Yin: Please log in to Zhang Yin APP and click "All → Loan → View Details" to inquire.
2. Online Banking: Please log in to personal online banking, click "Loan → My Loan" and query through "My Loan" or "Historical Loan".
3. Customer service hotline: Please pay interest (provident fund loan inquiry is not supported at present).
4. Counter: Please ask the card owner to bring his valid ID card and the original repayment voucher account to the loan broker.
(Answer time: August 2022 16. In case of business changes, please refer to the actual situation. )
Second, how does ABC borrow money to buy a house? Is the interest high?
Agricultural Bank loan application conditions:
1, China citizens with full capacity for civil conduct or Hong Kong, Macao and Taiwan residents and foreigners who have lived continuously in China for 1 year or more;
2. Possession of legal and valid identity documents or proof of long-term residence in China;
3. Have a fixed and detailed address;
4. Personal legal assets with stable legal income or sufficient to repay the loan principal and interest;
5. No bad credit record;
6. Being able to provide effective guarantee;
7. Other conditions that meet the requirements of the Agricultural Bank.
How to calculate the mortgage interest of ABC;
1. principal matching repayment method: divide the loan amount into n periods according to the number of repayment periods, and multiply the unpaid principal amount of each period by the loan interest rate until the current interest is paid off.
2. Matching principal and interest repayment method: the principal and interest are annualized during the loan period, and the sum of principal and interest in each period is equal. The calculation of interest is complicated, and the interest of each period is not equal, but the sum of principal and interest of each period is equal. The first interest is the principal amount occupied multiplied by the loan interest rate, and the principal repaid in the first period is the equivalent annuity repaid in each period minus the first interest; The interest calculation of the second phase is to subtract the principal repaid in the first phase from the total loan principal to get the second phase principal, and then multiply it by the loan interest rate to get the interest payable in the second phase, and so on.
Third, how to buy a house with a loan from the Agricultural Bank of China
Procedures: First of all, please go to the bank to understand the relevant situation. And apply for personal housing loans with all relevant materials. Then accept the bank's review of you and determine the loan amount. Next, you can apply for a loan contract and the bank will apply for insurance. Handle the registration and notarization of property right mortgage. The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest. After the above procedures and formalities, you can get a new house through mortgage.
4. How can the Agricultural Bank get the loan fastest and most conveniently?
The quickest and most convenient way for customers to borrow money from ABC is to apply for online loan business varieties. In order to make the loan the fastest and most convenient, customers must deposit, pay and transfer money by themselves. Every day, through the Agricultural Bank account, a certain amount of funds are generated. Before the loan, the customer can apply to the Agricultural Bank for pre-credit, and the Agricultural Bank will give a certain credit line according to the customer's relevant situation, and the customer can apply for a loan quickly at any time through mobile banking and other channels.