1, outlet inquiry: You can directly bring your ID card to the outlet of the loan bank and ask the staff to inquire, or you can ask the staff to help print out the previous repayment records so as to know your repayment situation.
2. Customer inquiry: log in to the online banking and mobile banking clients of the loan bank, find "loan" in your personal account after logging in, and then click "loan inquiry" to inquire about the remaining loan of your mortgage.
3. Telephone inquiry: You can call the bank and inquire independently according to the voice prompts, or you can directly transfer to manual service and apply to the customer service staff to inquire about the remaining loan of the mortgage.
4. official website Inquiry: Those who apply for provident fund loans can log in to official website, the local housing provident fund management center, and then log in to official website to enter the individual housing provident fund inquiry column to inquire about the remaining loans.
5. Counter inquiry: People who have applied for provident fund loans can also bring their ID cards to the counter of the local provident fund management center for inquiry. How to check how much money is left in the mortgage?
Personal loan to buy a house process:
1. Choosing a property: If buyers want to get mortgage services, they should pay attention to this aspect when choosing a property. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.
2. Loan application: After confirming that the property selected by the buyer has bank mortgage support, the buyer should learn about the bank's provisions on mortgage loan support for the buyer from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the mortgage loan application form.
3. Signing a house purchase contract: The bank receives the legal documents related to the mortgage application submitted by the buyers, and issues a loan consent notice or a mortgage loan commitment letter to the buyers after confirming that the buyers meet the mortgage loan conditions through examination. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
4. Sign the building mortgage contract: After signing the house purchase contract and obtaining the payment voucher, the buyer will sign the building mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and stipulate the loan amount, term, interest rate, repayment method and its rights and obligations.
5, mortgage registration, insurance: property buyers, developers and banks with the "housing mortgage loan contract" and the purchase contract to the real estate management department for mortgage registration. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. Before the loan principal and interest are paid off, the insurance policy shall be managed by the bank.
6. Opening a special repayment account: After the house mortgage loan contract is signed, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears of the bank and mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.
To sum up: in the process of buying a house, many people will choose to buy it in the form of loans, so after successful handling, they must repay it according to the regulations.
Legal basis:
General principles of loans
Article 32
The borrower shall repay the loan principal and interest in full and on time in accordance with the provisions of the loan contract. The lender shall issue a notice of repayment of principal and interest to the borrower before the short-term loan expires 1 week and the medium-and long-term loan expires 1 month; The borrower shall prepare funds in time and repay the principal and interest on schedule. The lender shall promptly issue a notice of overdue loan collection, and do a good job of overdue loan principal and interest collection. Lenders charge interest on loans that cannot be repaid within the time limit stipulated in the loan contract; If the principal and interest cannot be repaid or executed, it shall be urged to repay or bring a lawsuit. The borrower shall negotiate with the lender when repaying the loan in advance.