At present, there are three ways for ICBC to inquire about personal loans: online banking, telephone banking and bank outlets.
1. The online banking inquiry process is as follows:
Icbc online banking App: 12. 3. 2 version
Log in to personal online banking-click "Branch Function"-personal loan information inquiry (current repayment plan inquiry, historical repayment record inquiry and personal information adjustment).
2. Telephone banking inquiry process is as follows:
Call ICBC Telephone Banking 95588- Personal Customer Press 1- Enter Customer Number or Passbook Number or-Personal Loan Information Press 7- Personal Loan Information.
First, enter the words "Industrial and Commercial Bank of China" in Baidu search bar to search, and click on official website, Industrial and Commercial Bank of China.
Click the "Register" button on the homepage of official website, and then complete the online banking registration according to the webpage prompts. (ICBC's bank card and reserved mobile phone number are required for registration)
After the registration is completed, click the login button on the home page, enter the account information you just registered, and enter the home page of personal online banking.
On the homepage of personal bank, we can see the "Loan" button, and click it to see our basic loan information.
If you need to check the details of the loan information, click the "Details" button at the back to find the repayment number, date and other information.
Finally, if you want to query your repayment details, you can click "Details" at the back, enter the time period you want to query, and you can query the repayment details of this loan.
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Generally speaking, bank loans can be divided into online and offline processing channels. If you apply online, you just need to wait for system review or manual approval, but if you submit the information offline, you need to wait for a long time. What should I do if I find that the loan applied offline is not renewed for a long time?
Taking ICBC as an example, the main reasons for not being able to query the loan progress or not updating the progress in time are as follows:
First, the account manager did not enter the business into the system.
Second, the system has been online, but it has not been submitted for review.
Third, the information inquired by the data system and customers is asymmetric, and perhaps the information is delayed.
If this happens, we can:
1. Contact the account manager or the person in charge of the branch directly to inquire about the loan progress.
2. Inquire about personal credit report. If there is a bank inquiry record, it means that the loan has been reported.
3. Query personal online banking account information. If there is a loan contract number, it means that the loan has been approved successfully.
Finally, each bank has different policies, so I suggest you contact more outlets for consultation.
How to inquire about ICBC loan balance
The loan balance refers to the total loan that the borrower has not returned to the lender before a certain node date. Let me explain how to check the balance of ICBC loans, hoping to help you.
How to inquire about ICBC loan balance
1, ICBC outlets, bring your ICBC card or passbook to nearby outlets, and ask the counter staff to help you check the account balance.
2. Any bank self-service inquiry equipment terminal (ATM, self-service terminal) can realize ICBC balance inquiry by inserting ICBC card or passbook.
3. ICBC online banking: bring my valid certificate to ICBC outlets, ask staff to open ICBC online banking, and then log in to ICBC online banking to realize balance inquiry. The inquiry method is to log in to ICBC official website and enter the password for inquiry.
4. China Industrial and Commercial Bank Telephone Banking/Mobile Banking. You can call ICBC customer service number 95588 and ask the staff how to inquire about the available balance of ICBC.
5. ICBC 95588 SMS reminder service, and open ICBC card balance change reminder at ICBC outlets;
6. Bank statement. If it is an ICBC credit card, you can use the ICBC electronic statement or paper statement to check the balance on the ICBC card.
Basic concept of loan balance
The loan amount refers to the contract amount signed by the borrower and the lender, which is a constant amount. Total loan refers to the total amount of loans issued by commercial banks before a certain date, which is the total amount of credit incurred by enterprises at the end of the accounting period. It means the total amount of loans or financing borrowed by enterprises from banks. The loan balance refers to the outstanding loan at the end of the accounting period, which is equal to the total loan minus the repaid bank loan.
Inventory ratio of loan balance
Loan-to-deposit ratio is one of the assessment indicators of banks, that is, the ratio of loan balance to deposit balance cannot exceed 75%, otherwise it is illegal and there will be great risks. The sum of deposit balance and loan balance is the total deposit, deposit balance is the indicator of liabilities, and loan balance is the indicator of assets.
The loan balance exceeded 4 trillion yuan for the first time.
According to the latest information released by the Shanghai Headquarters of the People's Bank of China, since 20 12, the monetary and credit operations in Shanghai have been generally stable, with deposits increasing more than the same period last year and loans growing steadily. At the end of September, the loan balance exceeded 4 trillion yuan for the first time, and the credit structure was further optimized.
At the end of September, the balance of various deposits in Shanghai was 6,270.7 billion yuan, a year-on-year increase of 1 1.3%, and the growth rate was 1 percentage point lower than that at the end of last year. The balance of various loans was 4 billion yuan/kloc-0.86 billion yuan, up 9.3% year-on-year, and the growth rate was 1 percentage point lower than that at the end of last year. In the first three quarters, the city's personal deposits increased by 226.86 billion yuan, an increase of 54.34 billion yuan year-on-year, accounting for 50. 1% of the city's deposits, accounting for an increase of 12 percentage points year-on-year. RMB loans increased by 268.53 billion yuan, a year-on-year decrease of 6.8 billion yuan. Short-term and principal loans increased by 1 136 1 100 million yuan, with a year-on-year decrease of13.72 billion yuan. This medium-and long-term loan only increased by 1 billion yuan, a year-on-year decrease of 90 billion yuan.
In the first three quarters, the city increased personal consumption loans by 27.39 billion yuan, a year-on-year decrease of 654.38+0.624 billion yuan, of which personal housing loans increased by 965.438+0.2 billion yuan, a year-on-year decrease of 654.38+0.344 billion yuan.
Inventory change range of loan balance
65,438+0. According to the types of corporate deposits, our company's demand deposits and agreement deposits decreased by10022 billion yuan and 73.96 billion yuan respectively in the first three quarters, which decreased by 50.73 billion yuan and increased by 93.02 billion yuan respectively. Time deposits, call deposits and structured deposits increased by 654.38+072.82 billion yuan, 69.77 billion yuan and 50.54 billion yuan respectively, up by 8.98 billion yuan, 56.03 billion yuan and 8.75 billion yuan respectively. At the end of September, unit demand deposits only accounted for 30.3% of the total balance of unit deposits, down 4.3 percentage points from the beginning of the year, and the trend of unit deposits was obvious.
2. In terms of currency, in the first three quarters, personal RMB deposits in the city increased by 22 1.84 billion yuan, an increase of 49.38 billion yuan over the same period of last year; Personal foreign exchange deposits increased by $720 million, an increase of $270 million year-on-year.
3. According to the types of personal deposits, time deposits and structured deposits increased by1510.20 billion yuan and 3.710.40 billion yuan respectively, increasing by 45.93 billion yuan and decreasing by100/kloc-0.00 billion yuan respectively. Demand deposits increased by 36.865438 billion yuan, up by 65.438+0.710.20 billion yuan year-on-year.
How to check the ICBC loan?
There are four ways for ICBC to inquire about loans:
1. Online banking inquiry: the browser jumps to the official website interface of ICBC → click Login in the upper right corner → After successful login, click the loan option at the top of the interface → click My Loan to see your car loan information, and then click the car loan information to see the repayment status of each installment.
2. Mobile banking inquiry: Open the "Industrial and Commercial Bank of China" App on your mobile phone, run and log in → after logging in successfully, click "My" below → click "Debt Inquiry" below → expand, and then click "Loan" to see your car loan information. You can click on the car loan information to check the repayment of each installment.
3. Telephone banking inquiry: dial ICBC 95588→ press 1 (individual customer) → enter the card number → press 7 (individual loan information inquiry) to inquire about car loan information.
4. Bank outlet inquiry: hold my ID card to the nearby ICBC outlets for operation inquiry.
How to inquire about the loan information handled by ICBC?
The inquiry method of loan information handled by ICBC is as follows:
1. Open the ICBC app and click the place indicated by the arrow in the upper right corner of the page.
2. Next, click Login.
3. After logging in, click Loan.
4. After entering the loan page, click My Loan.
You can see your loan information on the next page.
The introduction of ICBC's personal loan inquiry ends here.