With your consent, any bank can inquire about your loan information through the People's Bank of China. For example, if you have a mortgage loan of 200,000 yuan in China Industrial and Commercial Bank, China Agricultural Bank will find out the amount, date, term and type of your loan, but it can't find out which bank it is. But at the end of the credit investigation, it will show which banks have checked your credit investigation records. Go to the local people's bank and pull down your credit information, and you will probably understand. Take your ID card, free of charge, and wait.

Extended data:

Commercial loan interest rate is the interest rate charged by banks when they issue corporate loans. For example, the loan interest rate for enterprises.

From March 17, 2005, the interest rate of self-owned housing loans was changed to the interest rate of commercial loans, and the upper limit was liberalized and the lower limit management was implemented. The lower limit interest rate is 0.9 times of the benchmark interest rate of the corresponding term and grade loans.

Loan interest rate table interest rate (%)

I. Various types of loans

six months

5.3 1 year

5.40 for one to three years

Three to five years 5.76

More than five years 5.94

The second is personal housing provident fund loans.

Less than five years (including five years) 3.33

More than five years 3.87

loan rate

Update time of interest rate: 20 1 1-07-07.

Loans within six months (including six months) 6. 10

Loans from six months to one year (including 1 year) 6.56

One to three years (including three years) loan 6.65

Loans for three to five years (including five years) 6.90

Loans for more than five years

20 12 latest benchmark interest rate for commercial loans

Interest rate update time: 20 12-07-06

Loan Term Interest Rate (%)

Loans within six months (including six months) 5.60

Loans from six months to one year (including 1 year) 6.00

Loans for one to three years (including three years) 6. 15

Loans for three to five years (including five years) 6.40

Loans for more than five years 6.55

Calculation method

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Assuming that the total loan amount is A, the monthly interest rate of the bank is β, the total number of installments is M (months) and the monthly repayment amount is X, the monthly loan owed to the bank is:

First month

The second month A( 1+β)-X

The third month (a (1+β)-x) (1+β)-x = a [(1+β) 2]-x [1+β)]

The fourth month ((a (1+β)-x) (1+β)-x) (1+β)-x = a [(1+β) 3]-x [/kloc-]