1. Inquire at the Credit Information Center: Customers need to bring their identity documents to the Credit Information Center of the People's Bank of China, or log on to the personal credit information platform of the People's Bank of China to inquire;
2. Bank counter inquiry: go to the counter of the bank outlets that have applied for loans;
3. Inquiring about online banking: If the bank that has handled the loan has opened online banking, you can log in to the bank's online banking to inquire about the loan information;
4. Telephone inquiry: Call the loan bank to inquire about the loan information.
The above is how to query your own loan information.
Is it useless to deduct principal and interest from bank loans?
1. The bank has issued the loan and needs to repay the loan principal and interest: that is, after the customer successfully applies for the loan, the bank transfers the loan funds into the bank account provided by the individual, and the loan principal and interest must be repaid on time regardless of whether the individual uses it or not, and the loan interest is calculated from the date of loan issuance;
2. Credit line has been obtained, but there is no loan: in this case, there is no need to repay the principal and interest, because there is no real credit line and no funds have been received in the personal private account, so there is no need to repay.
Can a bank loan be made only once?
Bank loans do not limit the frequency of customer loans. As long as customers meet the criteria for bank loans, they can submit loan applications indefinitely. Whether it can pass the bank audit is subject to the final audit result. Bank loans are credit loans, and customers need to repay on time after successful application, otherwise the overdue records may affect personal credit information. In addition, bank loans are directly lent through banks, so after passing the audit, banks generally will not lend.
Can a bank loan only last for one month?
The loan period of a bank loan can be only one month, or it can be repaid with the loan, so that customers can settle the loan and stop the loan contract after using it for one month. In fact, the short-term repayment methods of most banks are more convenient. Generally speaking, it is suitable for customers to repay loans in advance, and they can choose to repay loans only one month in advance. Naturally, whether it is necessary to pay liquidated damages and prepayment service fees to settle the loan in advance depends on the terms of the loan contract. This article is mainly about how to inquire about the relevant knowledge points of your own loan information, and the content is for reference only.
How to check your online loan records?
When querying online loan records, generally only those with credit records can be queried, and those without credit records have no suitable query channels for the time being.
The method of credit inquiry for online loan records is as follows:
1. Credit window inquiry: individuals can bring their ID cards to the nearby branches of the People's Bank of China, find the credit window and submit an inquiry application to the staff.
2. Inquiry of official website Credit Information Center: Individuals can log in to official website Credit Information Center of China People's Bank, click "Internet Personal Credit Information Service Platform" on the homepage, and then click "Start Now". If they are not registered, they can click New User to register. After successful registration, you can log in to your personal account and make online inquiries.
How to find out which platform you have borrowed money from? Five methods for reference
Many people like to "shop around" when choosing loans. Try this platform and that platform, but after a long time, I get a little confused. I wonder if I have borrowed money from this platform. So, how do you find out which platform you have borrowed money from? Let's take a look together.
How to find out which platform you have borrowed money from?
First, ask directly.
1, check personal credit.
All loan transactions are recorded in personal credit information, whether in normal use or account cancellation status, including card issuer name, account opening date, account cancellation date, credit line, used line, current balance, overdue situation and so on.
2. Check the third-party data platform
Privately established information service platforms will also have loan records, such as the number of lending institutions, the number of applications, the types of lending institutions, and risk warnings. , but they may not be as detailed as personal credit records.
Second, indirect inquiry.
1, read SMS reminder
Generally, platforms that borrow money will have various text messages such as loan success, quota use and repayment date reminder. If you don't clean it up, you will know which platform you borrowed money from.
2. Check the bank card transaction process.
There should be only a few commonly used bank cards. Log in to mobile banking, check the transaction flow records in recent five years, and see if there is a certain payment with a fixed term. The payee is likely to be a platform for his own loan.
3, check the relevant authorization
For example, Alipay, as a third-party payment platform, has many cooperative lending institutions. If you have applied through Alipay in your mind, you might as well go to Alipay Security Center to see more about account authorization management and whether there is an authorized loan platform in the service.
The above is about "how to check which platform you borrowed money from", I hope it can help you.
How to query loan records?
Personal loan information can be queried in the following ways:
Inquire through the loan bank; Inquire through the central bank's credit information system; Inquire through the civil credit information system.
Inquire through the loan bank
You can go to the bank outlets that have applied for loans and ask the staff to help print the list of repayment records. In the daily account, you can see your repayment records for each period.
Inquire through the central bank's credit information system
You can go to the local central bank's credit information management center to inquire about personal loan records, or you can inquire about personal loan records through the central bank's credit information center official website.
The method of online inquiry is as follows:
Open the Baidu 12.23.5. 10 browser in the iPhone 4. 1 version.
1, enter the credit information center official website, and click to enter the Internet personal information service platform ";
2. Click "Start Now" in the platform and complete the registration after entering the page;
3. After logging into the account, you can apply for personal loan records.
Inquire through the personal credit information system
Personal credit information system also records personal loan information.
Supplementary information:
Personal loan, also known as retail loan business, has become an important loan business after decades of development.
Personal loan refers to the loan issued by the lender to the borrower for the purchase of owner-occupied housing and the repair and construction of owner-occupied housing (excluding export housing) by urban residents.
When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
Personal loans include personal housing loans, personal housing provident fund loans, personal car loans, personal study abroad loans, personal comprehensive consumption loans, personal production and operation loans, personal credit loans, personal certificates of deposit (government bonds) and so on. There are two repayment methods, equal principal and interest repayment and equal principal repayment.
Personal loans are principal loans provided by lenders (general commercial banks) to consumers or families for personal consumption, production and operation. And stipulate the loan interest, repay the principal and interest on schedule, and use it for buying self-occupied housing, consumption or small investment. Personal loans provided by banks are different. "
How to check your own loan records?
For personal loans handled by China Merchants Bank, you can query the issued loans through self-service channels, including: repayment date, repayment method, remaining arrears, number of remaining installments, quota, start/expiration date of quota, loan status, etc. If you can't find a loan through the following channels, it means that you don't have a loan in our bank ~
1. Mobile Banking: Please check the repayment date of the loan, the amount to be repaid, the start date/expiration date of the line, the number of remaining periods, etc. In all my loan records. After entering the page, click on the loan, and you can query the repayment method, interest rate, loan status and other information.
Tips:
① If it is a provident fund loan, you need to contact the local loan handling bank or provident fund management center.
② If you can't find it through this interface, you can contact online customer service to try to understand the reason.
2. Premium Key Professional Edition: You can log in to the Professional Edition and click All-in-One Card-Loan Management-Personal Loan Inquiry to inquire about loan information.
Tips: At present, the Professional Edition doesn't support Mac system, so Apple computer can't log in to the Professional Edition.
3. Loan invitation App: If your loan from China Merchants Bank has been issued, please log in to the loan invitation APP, click Loan Management-Loan Record, and then click the applied loan to inquire about the loan details.