1. Customer service telephone inquiry: The borrower can call the customer service telephone of the loan bank, transfer the manual service, and then ask the staff about the specific progress. After providing ID card and loan information as required, you can check the approval progress.
2. Enquiry of the loan bank in official website: The borrower can log in to the loan bank official website and log in to the personal online banking account, and the specific progress can be inquired in the personal loan.
3. Counter inquiry: The borrower can bring his ID card and loan bank card to the bank counter or the lobby of other lending institutions for inquiry, and ask the staff to help you check the progress of loan approval.
4. Contact the account manager: When handling the loan, the borrower can directly find the account manager and ask him to help you check the loan progress.
Housing mortgage loan conditions are as follows:
1, with valid ID card and proof of marital status;
2. Good credit record and willingness to repay;
3. Stable income;
4, the purchase of commercial housing sales contract or letter of intent;
5. Have the ability to pay the down payment of the purchased house;
6. Open a personal settlement account in a bank with effective guarantee.
To sum up, although it seems tedious to inquire about the mortgage, I believe that you can easily master your mortgage information and repayment progress through the methods and steps introduced above. At the same time, maintaining good communication with banks, paying attention to bank notices and announcements, and protecting personal information security can also help you optimize the mortgage inquiry experience and ensure your interests to the greatest extent.
Legal basis:
Interim Measures for the Administration of Personal Loans
first
In order to regulate the personal loan business behavior of banking financial institutions, strengthen the prudent management of personal loan business, and promote the healthy development of personal loan business, these Measures are formulated in accordance with the Banking Supervision Law of the People's Republic of China and the People's Republic of China (PRC) Commercial Bank Law.
second
People's Republic of China (PRC) and banking financial institutions established in China with the approval of China Banking Regulatory Commission (hereinafter referred to as lenders) shall abide by these Measures when engaging in personal loan business.
essay
The term "personal loan" as mentioned in these Measures refers to the local and foreign currency loans issued by the lender to qualified natural persons for personal consumption, production and operation.
Article 4
Personal loans should follow the principles of legality and compliance, prudent operation, equality and voluntariness, fairness and good faith.
Article 5
Lenders should establish an effective whole-process management mechanism for personal loans, formulate loan management systems and operating procedures for each loan type, clarify the corresponding loan objects and scope, implement differentiated risk management, and establish an assessment and accountability mechanism for each operation link of loans.
Article 6
Lenders should establish a personal loan risk limit management system according to the dimensions of region, variety and customer base.