Everyone needs loans when they are short of money, so it is necessary to know about loans. For example, many people pay in installments. I don't know how much they have already paid and how much is left. I definitely need to check. So how do you know how much loan is left? Let me give you a brief introduction.
How to find out how much loan is left?
According to different lending institutions, there are different ways to inquire about the remaining arrears, which can be roughly divided into bank loans and financial institution loans.
I. Bank loans
1, outlet inquiry: the borrower takes the ID card and loan contract reserved when handling the loan, queues up at the bank outlet to get the number, and then asks the teller to help inquire about the loan information, so as to know how many loans are still outstanding.
2. Online inquiry: Most banks that have separated online banking and mobile banking can inquire online. For example, after logging in to mobile banking, you can find the loan-my loan, and click it to see all the loans handled in the bank. Click on any item to view the loan details, including the remaining loan amount and repayment period at a glance.
3. Telephone enquiry: Call the service hotline of the loan bank directly. After the manual service transfer, the customer service will ask for an ID card to verify the identity, and then ask for the remaining amount of the loan. The customer service will help with the inquiry and inform the borrower that it is best to take notes on that piece of paper.
Second, financial institutions.
1. Online inquiry: Online customer service will be set up on the loan platform of financial institutions. After logging into the account, the borrower can contact online customer service and ask for the remaining loan amount. Customer service will help with the inquiry and then reply to the borrower online.
2. Self-service inquiry: The borrower can log in to the loan APP, find my loan, inquire about the loan information he has handled, or inquire about the remaining loan amount.
The above is the relevant introduction of "How many loans are left", and I hope it will help everyone.
How do I know how much I can borrow from my provident fund?
How to inquire about the loan amount of provident fund? Want to know how much the provident fund can borrow, you can refer to the following channels:
1. You can bring your provident fund card and my ID card to the provident fund service hall and show them to the counter staff, who can check the loan amount.
2. Customers can also pay attention to the official account inquiry of WeChat in the local housing provident fund management center, or they can inquire on Alipay. Of course, they can also choose to call the customer service hotline of the local housing provident fund management center directly to consult the customer service staff.
3. You can also refer to the following calculation formula:
Provident fund loan amount = (total monthly salary of the borrower, monthly contribution of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan × loan period (month).
Employees who have paid in the normal proportion of the unit apply for provident fund loans, and the borrowers are employees who have paid in the housing provident fund according to the specified normal proportion (5%- 12%). The loan limit is determined according to the repayment ability, and the calculation formula is: the sum of the monthly deposit bases of the borrower's housing provident fund ×40%× 12 (month )× loan period (year). The sum of monthly deposit bases is the deposit base of employee provident fund account when applying for provident fund loan.
The longest loan period is 20 years, not exceeding the statutory retirement age.
According to the verified information, if an individual meets the conditions for applying for provident fund loans, the maximum loanable amount is 300,000 yuan and the longest loanable period is 20 years.
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How to find out how much the bank card loan is?
Inquiry method of commercial loan balance:
1. Counter inquiry: The borrower himself brings his ID card to the personal loan department of the branch of the loan bank, applies to the staff to inquire about the progress of the commercial loan, and can inquire after filling in the application form as required.
2. Online banking inquiry: The borrower can log in to the personal online banking account of the lending institution and inquire in the personal loan.
Operating environment:
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3. Customer service telephone inquiry: The lender can call the customer service telephone of the loan bank to inquire about the loan balance and approval information. Before applying for personal commercial loans, we should evaluate the family's economic strength and determine the down payment ratio and loan ratio according to the evaluation results. The amount approved by the bank is usually less than or equal to the amount applied for, so leave room to avoid accidents.
Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.
Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.
Commercial loans refer to the proportion of commercial loans in the guarantee balance of housing property right guarantee institutions at the end of the statistical period.
Submit a loan application: When you have signed a house sales contract, you can apply for a commercial loan from the bank. Whether it is a first-hand mortgage or a second-hand mortgage, it is necessary to submit the complete materials approved by the bank to the bank for review, which is the most important step in the commercial loan process.
Mainly including ID card, household registration book, original and copy of marriage certificate; Foreign household registration needs to provide temporary residence permit or residence permit; Income certificate issued by the work unit; Sales contract, down payment invoice or receipt; Wage flow or other proof of assets in the past six months. In addition to the above five materials, different banks have different requirements for commercial loans, and other materials required by loan banks should be inquired in detail.