The loan account number refers to a set of serial numbers automatically generated by the system when the user currently handles the loan, which is the information index serial number of the loan. If the user repays the loan and applies again, another loan account number will be generated, which can be the same or different. Different banks inquire about loan account numbers in different ways.

The loan account number is associated with the customer's repayment bank card, but it is not the repayment account number. These are two different accounts. The repayment account number refers to the bank card bound by the customer for repayment, and the repayment bank card can be changed by operation. After the loan account is generated, it remains unchanged.

Extended data

A loan account is an account opened by an enterprise in a bank. The loan account belongs to a special account, and the bank handles the accounting procedures for issuing loans and recovering loans. Ensure the smooth progress of various loan businesses, correctly reflect the use of credit funds, supervise the reasonable issuance and timely recovery of loans, and provide correct data for assessing the implementation of policies and credit plans. According to the different types of loans, the accounting methods of loan business can be divided into four types: verifying loans one by one, integrating deposit and loan, adjusting loans regularly and transferring loans.

Is the bank loan account a general account or a special account?

1. The loan account is an ordinary account. 2. A general deposit account refers to a bank settlement account opened by a depositor in a banking institution outside basic deposit account for loan or other settlement needs. According to the regulations, depositors can apply for opening a general deposit account as long as they have the need to borrow money or settle other accounts. This account can be used for cash deposit, but not for cash withdrawal. 3. Special deposit account refers to the funds that depositors need special management for specific purposes according to the provisions of laws, administrative regulations and rules, and should be included in the use and management of special deposit accounts. The scope of opening a special deposit account: (1) capital construction funds; (2) Updating and transforming funds; (3) Extrabudgetary funds; (4) Funds for purchasing grain, cotton and oil; (5) Securities trading settlement funds. (6) Futures trading margin. (7) Trust funds; (8) interbank funds deposited by financial institutions; (9) Policy real estate development funds; (10) Company bank card reserve fund; (1 1) Housing accumulation fund; (12) social security fund; (13) Income remittance funds and business expenditure funds; (14) organization funds of the party, league and trade union; (15) Other funds that need special management and use. .

How to check the loan account number?

The loan account number can be inquired through online banking, customer service telephone and bank counter.

1. Online banking inquiry: the user first logs in to personal online banking and inquires about the loan account according to the relevant webpage prompts;

2. Telephone inquiry: users can directly call the customer service telephone number of the relevant bank to provide their valid identity information, and the customer service specialist will inquire on their behalf;

3. Counter inquiry: Users need to check the loan account at the counter of the corresponding bank with valid identity documents. That's how the loan account is checked.

If you want to check the mortgage account, you can generally check the loan situation. The loan contract is signed by the loan bank, and the mortgage account number will be clearly marked. If there is no clear indication in the loan contract, the lender can bring his identity to the loan bank to check the loan voucher, loan contract and other materials under the condition of mortgage account number.

If the lender handles the housing provident fund loan, then you can check the repayment plan and repayment agreement in detail. The repayment plan and repayment agreement can generally indicate a clear mortgage account number. If your mortgage account number is not listed in the repayment plan and repayment agreement, the lender can bring his ID card and loan contract to the counter window of the local provident fund management center.

In actual economic life, loan means that the lender lends a certain amount of money to a bank or financial institution and repays the principal and interest in accordance with relevant agreements. For banks, more loans are conducive to increasing interest income and, to a certain extent, helping banks accumulate their own capital. For society, the more loans, the greater the liquidity of the market. It can promote social and economic development to a certain extent. In China, the basic principles of commercial bank loans are safety, liquidity and efficiency.

If you want to apply for a housing loan, you generally need to provide relevant application materials and certificates as required, such as the lender's ID card and household registration book. Well, marriage certificate, income certificate, bank statement, house purchase contract, if the materials are insufficient, you can provide advance payment invoice, social security payment certificate and so on. , which will lead to the failure of loan application. If the lender's credit and credit card repayment records have bad records, it is necessary to apply clearly in time, otherwise it will also affect the success rate of loan application.

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Can the loan account be basic account?

The loan account cannot be basic account.

Depositors of corporate bank settlement accounts can only open a basic deposit account in the bank. The transfer and cash settlement of depositors' main business activities should be handled through basic deposit account, and the withdrawal of wages, bonuses and other cash can only be handled through basic deposit account.

These are the functions of basic account, but they don't function as loan accounts, so the loan account can't be basic account.

Company account maintenance fee collection standard

The charging standard of the account maintenance fee for the company account of CCB is: 360 yuan/year/account; Small accounts with a quarterly average daily demand deposit balance of less than 6,543.8+0,000 yuan (inclusive) will be charged at 654.38+0.50 yuan/quarter/account; Fixed account or long-term account is charged according to 600 yuan/year/account. This price is our benchmark price, and branches may adjust it. The specific price is subject to the final price list published by the outlets.

Extended data:

The company needs to open information about basic deposit account.

Information for opening an account in basic deposit account: original business license or other supporting documents, original organization code certificate, original tax registration certificate (tax department certificate is required if tax is not required), and identity certificate of the person in charge of the legal person or unit (power of attorney and identity certificate of the agent are also required for authorizing others to open an account). The above is only basic information, please consult the branch for details.

Precautions:

1. Account opening materials include the original and two copies;

2. If it is an enterprise customer, please provide the articles of association, indicating the actual shareholder composition; If it is a branch, it is also necessary to provide relevant information of the head office;

Please bring the official seal of the company and the reserved seal of the bank.