How to check other people's credit and debt
One of the central bank credit
The most serious situation of being loaned is the impact of credit, which can be more terrible than the loss of money, you can query the electronic version of the credit report on the Internet, it's very simple, if there is a record of unknown loans, that is, the " The first thing you need to do is to get a good deal of money from the government.
1, open the browser, search for the People's Bank of China Credit Center, enter the official website;
2, click on the Internet personal credit information service platform;
3, click on the upper-right corner of the right to start;
4, use the login name and password to log in to how to check other people's credit and debt, the first new user to register;
5, log in to success! After logging in successfully, you can click on "Apply for Credit Information"
6, there are bank card verification, digital certificate verification and question verification, choose one to verify;
7, after verification, the Bank of China will send the verification code to your registered cell phone number within 48 hours, log in this website again, enter it to view the electronic version of the credit report. The electronic version of the credit report.
1) In the basic personal information, you can see the credit record, which contains credit cards, loans, and other guaranteed information, so you can learn the number of credit cards and loan accounts in your name and see if you can match the actual situation.
2) Credit details. Below the summary of information will be recorded credit transaction details, you should carefully check the relevant records to see whether it is my borrowing.
3) Enquiry records. Mainly divided into in-person inquiries, loan approvals, post-credit management, credit card approvals, pre-insurance reviews, and inquiries from various companies, etc. If you find that there are records of inquiries from institutions that you have not authorized, then it is worth paying attention to them.
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How do I know if someone else has a bank loan
To find out if a person has a loan, you can take the following methods:
1. Go through its cell phone and e-mail, whether it has received a loan through the bank or a lending institution, the platform Send bills, reminder text messages.
2. Take each other's ID card to the local People's Bank of China business office to check and print the credit report, if there is a loan under the name, and the loan is also accessed by the central bank credit system, then naturally, you can see the credit report related to borrowing and repayment records, indebtedness and so on. If you know each other's accounts and login passwords, you can also log on to the official website of the central bank credit center to make inquiries directly.
3. Because many online loans do not have access to the central bank credit, associated with big data, so the credit will not be reflected. In this regard, customers can also go to a third-party data organization to query each other's loan big data.
4. Check whether the bank card under the name of the other party will have a sum of money transferred out from time to time every month, and then check the account number of the recipient.
Expanded Information:
Loans (electronic debit credit loans) are simply understood in layman's terms as borrowing money that requires interest.
Loans are a form of credit activity in which a bank or other financial institution lends monetary funds at a certain interest rate and under conditions such as having to return them.
Broadly speaking, the loan refers to loans, discounts, overdrafts and other lending funds in general.
Banks through the loan of the concentrated currency and monetary funds put out, can meet the expansion of social reproduction on the need for additional funds, promote economic development, at the same time, the bank can also be obtained from the loan interest income, increase the bank's own accumulation.
Principles
"Three principles" refers to the security, liquidity, efficiency, which is the fundamental principle of commercial bank loan operation.
1, loan security is the primary problem faced by commercial banks;
2, liquidity refers to the ability to be able to recover the loan by a predetermined period of time, or the ability to quickly liquidate the loan without loss, to meet the customer's need to withdraw their deposits at any time;
3, efficiency is the basis of the bank's continued operation.
For example, the issuance of long-term loans, the interest rate is higher than the short-term loans, efficiency is good, but the loan period is long will increase the risk of reduced security, liquidity is also weaker. Therefore, the "three sexes" should be in harmony with each other, so that the loan can not be a problem.
Repayment method
(1) Equal principal and interest repayment: the principal and interest of the loan and the use of equal monthly repayment of a way.
This method is used for housing fund loans and most banks' commercial personal housing loans. This way of repayment of the same amount per month;
(2) equal principal repayment: that is, the borrower will be spread evenly over the entire loan repayment period each period (month) to return, while paying off the last transaction date to the repayment of the loan interest between a repayment method. This way the monthly repayment amount decreases month by month;
(3) monthly interest due to repayment of capital: that is, the borrower in the loan maturity date of the one-time return of the loan principal [period of less than one year (including one year) loan applies], the loan by the daily interest, the interest is returned on a monthly basis;
(4) early repayment of part of the loan: that is, the borrower to apply to the bank can be part of the early repayment of the amount of the loan, the general amount of 10,000 or 10,000 dollars, the amount of the loan, the amount of the loan, the amount of the loan, the amount of the loan, the amount of the loan. The general amount of 10,000 or 10,000 integer times, after repayment at this time the loan bank will issue a new repayment plan, in which the repayment amount and repayment period is changed, but the repayment method is unchanged, and the new repayment period shall not exceed the original loan period
(5) early repayment of the entire loan: that is, the borrower to the bank to apply, you can early repayment of all the amount of the loan, repayment at this time the loan The bank will terminate the borrower's loan and handle the corresponding discharge procedures.
(6) repay as you go: interest is calculated on a daily basis after borrowing, with one day counting one day interest. You can always settle the payment in one go without any penalty
What are the methods of checking the information of other people's loans?
Hello, in general, there are three ways to query personal loan records, respectively, through the loan bank to query, through the central bank credit system to query, through the private credit system to query. I will introduce the specific query method for you respectively.
Through the loan bank to query
You can go to the bank branch where you have applied for a loan, and ask the staff to help you print the repayment record water sheet. People can see their repayment records for each installment in detail on the water sheet.
Through the central bank credit system to query
You can go to the local central bank credit management center to query the personal loan records, but also through the central bank credit center's official website to query the personal loan records, online query methods are as follows:
1, into the credit center's official website, click on the "Internet Personal Information Service Platform". "
2, in the platform click on "start now", enter the page to complete the registration;
3, after logging in to their accounts, you can apply for querying their personal loan records.
Checking through private credit systems
Nowadays, many private credit systems also have records of everyone's personal loan information. Therefore, people can check their personal loan records through them. Generally commonly used private credit systems are Koala Credit, Peng Yuan Credit, Huadao Credit and so on.
Overall, it is relatively more reliable to check personal loan records through the central bank credit system. However, according to the regulations, each person can check his or her credit record through the central bank credit center twice a year for free. Finally, please choose a loan product, try to choose a big brand of loan products, interest rate transparency at the same time to protect your information security, "money flower" is the original Baidu financial credit service brand (formerly known as: Baidu money flower, renamed "money flower" in June 2018), positioning itself as a provider of financial services. "It is positioned to provide personal consumer credit services for the general public and to create an innovative consumer credit model. Application materials are simple, the fastest 30 seconds for approval, the fastest 3 minutes for disbursement. You can repay the loan in advance, and after repayment, you can restore the credit limit and borrow money on a recurring basis. I hope this answer is helpful to you, mobile click below, immediately measured amount, the highest borrowing limit of 200,000 yuan.
How to secretly check other people's credit
1, the local central bank query personal credit; carry a valid personal identification documents to the local central bank branch to query, counter or self-service query machine can be, credit report shows the last five years of loan information, loan amount, loan period, and data on negative information, etc., need to be It is important to note that you should not query your credit too often, as it will be monitored by the bank so as not to affect the dimension of your credit.
2, online query personal credit report, choose a larger organization platform, compared to the credit center data help report, the hundred lines of credit data content is more detailed, the content is more diversified, no matter whether it is the authority or accuracy is relatively reliable, because the personal credit is not allowed to have any discrepancy.
Behavior affecting personal credit
1, delinquent water bills, telephone bills and other related expenses, these small things will affect their personal credit, so pay attention to the small details of life.
2, if the borrower has too much debt. Most people have already had in the purchase of a car loan and home loan repayments more than fifty percent of the borrower's monthly income, and credit card monthly repayment amount of more than fifty percent of the borrower's monthly income as will be included in the bad credit reporting system.
3, the borrower applied for a personal loan default. Anyone who has not paid the loan principal and interest or the guarantor is on behalf of the phenomenon of repayment; to capitalize on the recent, within two years of the loan extension and other records, the same will also be included in the credit history list.
4, the borrower credit card overdue. This is the most common in the gridding, cardholders forget to pay or have been delinquent, 1 year if the number of repayments more than six times will also be recorded.
How do I find out if a person has a bank loan?
You can go to the official website of the People's Bank of China Credit Center to check if you have a bank loan.
The specific steps are as follows:
1, Baidu web search "credit center", search to find the People's Bank of China credit center website, and then click to enter.
2, after entering the "Internet personal credit information service platform", and then click to enter.
3, after entering to find "start now", and then click to enter.
4, enter the login interface, enter the user name, password and verification code, click login.
5. After logging in successfully, you will enter the personal account page, and under the section of applying for credit information, you will check the box of credit report, and then click on Get Dynamic Password.
6. Enter the dynamic password for your cell phone and click Submit.
7. After receiving the ID verification code, enter the Get Credit Information page, check Personal Credit Report, enter the ID verification code, and click Submit.
8. After submitting, you can see your loan history on the credit report page.