How to check whether you have a loan

My loan information can be viewed through the lending bank, through the central bank’s personal credit system, and through the folk credit system software.

1. How to check whether you have a loan record:

1. Check according to the central bank’s personal credit information system: you can go to the local central bank’s personal credit information management office to check personal loans Records, you can also check your loan records through the official website of the central bank’s credit inquiry.

2. Inquiry at the loan bank counter: Go to the bank branch where the loan has been processed and ask the manager to help print out the loan repayment record slip. On the statement, you can see an individual’s loan repayment record for each period.

3. Online banking inquiry: If the bank where the loan has been processed has opened online banking, you can inquire the loan record by logging in to the bank's personal online banking.

4. Telephone inquiry: Call the lending bank to inquire about the loan record.

2. Definition of loan:

The simple and easy-to-understand understanding of loan (electronic borrowing personal credit loan) is that a loan that requires loan interest is a loan from a bank or its user financial enterprise with a certain interest rate. The theoretical loan is a general term for loan assets such as loans, remittances, and transparency, which are personal credit activities that lend current assets on the premise of necessary repayment. Banks promote concentrated cash and liquid assets in the form of loans to supplement assets needed to achieve social development and reproduction and promote economic development. At the same time, banks can obtain loan interest fees and increase the bank's own accumulation.

3. Loan records:

Refers to that in some countries or regions, credit databases mainly collect so-called "negative information", that is, records of credit consumers not fulfilling their debt obligations. In other countries or regions, credit databases also collect "positive information", including the credit status of credit consumers, such as credit limits, loan balances, and repayment records.

How can I check whether I have a loan record?

If you want to check whether your ID card has a loan record, customers can take the following methods:

1. Log in directly to the official website of the Credit Information Center of the People's Bank of China on your computer browser , enter the Internet personal credit information service platform to check your personal credit report; or you can bring your personal ID card to the business hall of the local People's Bank of China branch to ask the staff for inquiries; you can also call the People's Bank of China customer service. You should know that when applying for a loan at a consumer financial institution, if the platform is connected to the central bank's credit report, relevant records will inevitably be left in the credit report.

2. You can query third-party data platforms, such as Baihang Credit Information. After all, many small loan platforms with low application thresholds are not connected to the central bank's credit report, and are the first choice for criminals to fraudulently obtain loans. Therefore, even if you borrow money, there will be no record in the credit report, and the relevant loan records are mostly left in big data. inside.

3. Check your mobile phone to see if you have received text messages from lending institutions/platforms that have not registered accounts. If there is a reminder text message, it is likely that the identity card has been stolen by someone else to obtain a loan.

How to check whether you have a loan?

If it is a personal loan processed through China Merchants Bank, the loan that has been issued can be checked through the self-service channel, including: repayment date, repayment method, remaining debt payment, remaining period, quota, quota start date/expiration date, loan status, etc. If you do not find a loan through the following channels, it means that you do not have a loan with our bank~

1. Mobile banking: loan repayment date, amount to be repaid, limit start date/expiry date, remaining period For details, please check My-All-My Loans-Loan Records. After entering the page, click on the loan to check the repayment method, interest rate, loan status and other information.

Warm reminder:

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

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

2. Professional version YouKey: You log in to the professional version, click All-in-one Card - Loan Management - Personal Loan Inquiry, and you can query loan-related information.

Warm reminder: Currently, the professional version does not support Mac systems, and Apple computers cannot log in to the professional version.

3. Zhaodai APP: If your loan from China Merchants Bank has been issued, please log in to the Zhaodai APP, click Loan Management - Loan Record, and click on the loan you applied for to check the loan details.

How to check whether I have a loan record?

Personal loan information can be queried in the following ways:

Through the lending bank; through the central bank’s credit reporting system; through the private credit reporting system.

Check through the lending bank

You can go to the bank branch where you have applied for a loan and ask the staff to help print the repayment record slip. On the slip, you can see your repayment record for each period.

Check through the central bank's credit reporting system

You can go to the local central bank's credit reporting management center to check personal loan records, or you can check personal loan records through the official website of the central bank's credit reporting center.

The method of online inquiry is as follows:

Open Baidu 12.23.5.10 version browser on iPhone version 4.1

1. Enter the official website of the Credit Information Center and click 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 in to your account, you can apply Check your personal loan record.

Check through the private credit system.

The private credit system also records personal loan information.

Supplementary information. :

Personal loans, also known as retail loans, have become an important loan business after decades of development.

Personal loans refer to lenders providing loans to borrowers. Loans issued for the purchase of self-occupied housing and the repair and construction of self-occupied housing for urban residents (excluding housing for export).

When the lender issues a personal housing loan, the borrower must provide a guarantee when it is due. To repay the principal and interest of the loan, the lender has the right to dispose of the mortgage or pledged property in accordance with the law, or the guarantor shall bear joint and several liability for the repayment of the principal and interest.

Personal loans include personal housing loans, personal housing provident fund loans, and personal car loans. , personal study abroad loans, personal comprehensive consumption loans, personal production and operation loans, personal credit loans, personal certificates of deposit (treasury bonds), etc., there are two repayment methods, equal principal and interest repayment and equal principal repayment.

Personal loans are domestic and foreign currency loans provided by lenders (general commercial banks) to individual consumers or households for personal consumption, production and operations, etc., with stipulated loan interest and an agreement to repay the principal and interest on schedule. , loans used to purchase self-occupied housing, consumption or small investment operations. The personal loans provided by various banks are different. "

How to check whether you have a loan record

1. Inquiry at the Credit Information Center of the People's Bank of China

If you have no loan record and are worried about your identity being used for loans by others, you can go to the Credit Information Center of the People's Bank of China to inquire about the "Personal Credit Information Record Report", which will be There is a nationwide network of the loan status in your name. Of course, this report has a lag, about one month.

2. Inquiry at the loan bank counter

If you know that you have a loan and want to check if there are any problems with your loan record, you can bring your ID card and other relevant information to the loan bank counter. Make detailed inquiries.

3. Online banking inquiry

If you have opened the online banking of the loan bank, you only need to log in to the official website of the online bank for loan inquiry

4. Telephone inquiry

Just call the loan bank’s official phone number to inquire about loan information.

Extended information

A simple and popular understanding of a loan is borrowing money that requires interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts.

Banks invest the concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income. , increasing the bank’s own accumulation.

The "Three Characteristics Principle" refers to safety, liquidity, and efficiency. This is the fundamental principle of commercial bank loan operations. Article 4 of the "Commercial Bank Law of the People's Republic of China" stipulates: "Commercial banks take safety, liquidity, and efficiency as their operating principles, implement independent operations, bear their own risks, be responsible for their own profits and losses, and self-discipline."

1. Loan safety is the primary issue faced by commercial banks;

2. Liquidity refers to the ability to recover loans within a predetermined period or to liquidate them quickly without loss, satisfying customers The need to withdraw deposits at any time;

3. Efficiency is the basis for the bank's continued operations.

For example, if a long-term loan has a higher interest rate than a short-term loan, the efficiency will be good. However, if the loan period is longer, the risk will increase, the safety will be reduced, and the liquidity will become weaker. Therefore, there must be harmony between the "three natures" so that there will be no problems with loans.

Interest refers to the remuneration paid by the borrower to the lender for the right to use funds. It is the use price of capital (that is, the loaned principal) within a certain period of time. Loan interest can be calculated in detail through the loan interest calculator.

In civil law, interest is the legal interest on principal.