How to check personal loan records
Two ways to check personal loan records.
1, the central bank credit report. You need to bring your ID to the local central bank branch to query, credit report will show the user in the past five years of the borrowing platform, the amount of money borrowed, borrowing period, negative information and other data content.
2, query online lending database. Simply open the WeChat home page and search: Feiyu Quick Check.
Click on the query, enter the information to query their credit data, the data from the country's more than 2,000 online lending platforms and the UnionPay Center, the user can query their own big data and credit, you can get all kinds of indicators, query their own personal credit, net black index score, blacklist situation, online loan application records, application platform type, whether overdue, overdue amount, the Credit card and online loan credit estimate and other important data information.
Operating environment: Apple, Android system, the latest version of the People's Bank of China APP software can be used.
Querying the central bank credit needs to carry my identity documents to the local central bank outlets to self-service query.
But checking the credit of the Bank of China only requires a cell phone can easily query, the Bank of China credit as the central bank in the private sector credit agency, complete data, widely used, from the smallest deposit-free, large car loans credit cards and other financial services are provided by the Bank of China credit.
When the user's credit score of Baixing Zhengxin has problems, the above services are not available. The credit score of Baxing Credit is 0-100 points, the higher the score, the better the credit, when the score is lower than 40 points, it is a blacklist.
Therefore, long-term applications for online loans should check their own 100-line credit in time to prevent credit damage due to blind applications for online loans.
Just open WeChat and search: seven nine data. Click on the query, enter the information can query to their own hundred lines of credit data, the data from the country more than 2,000 online lending platforms and the UnionPay Center, the user can query their own big data and credit situation, you can get all kinds of indicators, query to their own personal credit situation, the net black index score, the blacklist situation, the record of online loan applications, the type of application platforms, whether the late, the amount of the overdue, the credit card and the online credit The credit estimate amount and other important data information.
At present, the state is building a comprehensive and seamless "credit network" to connect the society, and the information **** enjoys, whether it is the credit report or the personal credit record, is an important part of it. The most important thing is to protect your credit, which is the biggest asset and wealth for everyone.
How do I check my loan history?
Personal loan information can be inquired in the following ways:
Inquire through the lending bank; inquire through the central bank credit system; inquire through the private credit system.
Through the loan bank to query
You can go to the bank branch where you have ever applied for a loan, and ask the staff to help print the repayment record water sheet. In the water sheet, you can see your repayment record for each installment.
Inquiry through the central bank credit system
You can go to the local central bank credit management center to inquire about your personal loan records, or you can also inquire about your personal loan records through the official website of the central bank credit center.
The method of online inquiry is as follows:
Open Baidu version 12.23.5.10 browser in iPhone version 4.1
1, enter the official website of the credit center, click to enter the Internet personal information service platform;
2, click on the platform to start now, enter the page to complete the registration;
3, log in to your account, and then click on your personal information service platform. p>3, after logging in to their accounts, you can apply for access to their personal loan records.
Through the private credit system to check
The private credit system also has a record of personal loan information.
Additional information:
Personal loans, also known as retail lending business, have grown over the decades to become an important lending business.
Personal loans, refers to loans granted by lenders to borrowers for the purchase of housing for their own use and the repair and construction of housing for their own use by urban residents (excluding externally marketed housing).
When a lender grants 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 in accordance with the law, or the guarantor will assume joint and several liability for repayment of the principal and interest.
Personal loans include personal housing loans, personal housing provident fund loans, personal automobile loans, personal study abroad loans, personal comprehensive consumer loans, personal production and business loans, personal credit loans, personal certificates of deposit (treasury bonds), etc. There are two types of repayment methods for these loans, equated principal and interest repayment and equated principal and interest repayment.
Personal loan is the lender (general commercial banks) to the consumer individual or resident family, for personal consumption, production and management and other purposes of the local and foreign currency loans, and the provisions of the loan interest, and agreed to repay the principal and interest on schedule, for the purchase of housing for personal use, consumption, or a small investment in business loans. The personal loans offered by various banks vary."
How to check your loan record
If you have taken out a personal loan through China Merchants Bank, the disbursed loan can be inquired through the self-service channel, including: repayment date, repayment method, remaining arrears, number of remaining installments, quota, quota start date/maturity date, and the status of the loan. If you don't find the loan through the following channels, it means that you don't have a loan in our bank Oh~
1, Mobile Banking: Loan repayment date, amount to be repaid, quota start date / maturity date, the remaining period, etc., please check it in My - All - My Loans - Loan Records. After entering the page and clicking on the loan, you can check the repayment method, interest rate, loan status and other information.
Warm tips:
①If it is a provident fund loan, you need to contact the local loan office or provident fund management center oh.
②If you can't find out through this interface, you can contact online customer service to try to understand why.
2, the professional version of the YouKey: you log on to the professional version, click on the card - loan management - personal loan query, you can query the loan information Oh.
Warm tips: At present, the professional version does not support the Mac system, Apple computers can not log on to the professional version oh.
3, the recruitment of loan APP: If your loan in the China Merchants Bank has been issued, please log in the recruitment of loan App, click on the loan management - loan records, tap into the application of the loan can be found in the loan details.