Generally, there are two ways to query loan records:

First, the borrower knows that he has a loan and wants to check whether there is any problem with his loan record. If this is the case, you can go to your loan handling bank to check the detailed records, and understand the personal repayment situation through the repayment details of the loan.

Second, you remember that you have never made a loan, and you are worried that others will make a loan in your name or guarantee for your friends, so you can't confirm whether you have a loan record. In this case, you can go to your local people's bank to inquire about the "personal credit record report", which will have the loan situation in your name networked nationwide. Of course, this report is lagging behind, about a month.

Conditions for applying for bank loan business:

1, 18 to 65 years old natural person;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan;

5. Meet other conditions stipulated by the bank.

If you meet the above conditions, you can apply for a loan business at a local bank.

2. I have never made a loan, and there is a loan approval record on the credit report. What should I do?

If there is no loan but there is a loan approval record on the credit report, you can go to the relevant banking institution first. If there is an examination and approval record for reasons other than your own, you can ask the relevant banking institution to change the record.

Article 25 of the Regulations on Credit Management stipulates that:

If the information subject thinks that the information collected, saved and provided by the credit reporting agency is wrong or omitted, it has the right to raise an objection to the credit reporting agency or the information provider and ask for correction.

There are three reasons why there is no loan but there is a loan approval record:

1. Although there is no loan, you have authorized the lending institution to check the credit report by clicking on the check limit or checking the limit on the loan platform, but you just don't know it. If this is the case, there is basically no problem as long as you don't frequently click on the inspection quotas of several lending institutions in a short period of time.

2. Lending institutions check the credit report without the consent of the credit object, which is equivalent to infringing on the privacy of the credit object, and will also leave a record of loan approval inquiry. You can find the name of the lending institution in the credit inquiry record, search the contact information, and let it apply to the central bank for credit modification and cancel this inquiry record.

3. If the loan is made under a false name, check the loan information in the credit report to see if there are any new loans in the loan record during this period. If there is a loan, don't worry, just take out the evidence that it is not my loan, file an objection to the central bank's credit information, and ask the lending institution to cancel the loan record.

Third, how to check personal credit records and go to the place where the bank handles loans?

How to query personal credit records? It is reported that there are several ways to inquire about credit records at present: bring my valid certificate to the People's Bank of China and log on to the personal credit information platform of the People's Bank of China.

1, go to the bank to get a loan.

Take your ID card to any bank that can apply for a loan and say that you want to apply for a loan. The staff will print you a detailed credit record about yourself.

2. Online inquiry.

1. Log on to the official personal credit platform of China People's Bank:

2. You can see the obvious "Internet Personal Credit Information Service Platform" in the middle of the homepage, and click it in;

3. On the newly opened page, click "Start Now";

4. Registered users enter the account password on the left to log in, and unregistered users find "New User Registration" on the right;

5. Enter "real name, ID number and verification code", check the agreement service agreement and click "Next";

6. Then set the information such as "login name, password, email address, mobile phone number and verification code", and click "Next" to complete the registration;

7. enter the personal center;

8. You can find personal credit report here. Click on the left navigation menu "Information Service =" to apply for credit reporting;

9. Verification method It is recommended to use question verification, check the credit information you need, and then go to the next step. Follow the prompts at the back.

After the application, the credit report will not be displayed immediately, and there is a waiting process, which is generally about 1 day. After the report is generated, the identity verification code will be sent by SMS. After receiving the SMS, log in again within 7 days, click "Credit Service =" on the left navigation menu to obtain credit information, then select credit information, enter the identity verification code, and click "Submit" to view it.

Fourth, how to query the loan records?

Check the loan record: 1. Check the loan records at the bank that handles the loan; 2. Inquire about loan records through the website of personal credit service platform. Log in to the personal credit information service platform first, click "Apply for Credit Information" under "Information Service", then click "Get Dynamic Code", enter the dynamic code and then click "Submit". After 24 hours, enter the received identity verification code to view the personal loan record. Payment method: 1. Matching principal and interest repayment: that is, the sum of loan principal and interest is repaid by matching monthly. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same. 2. average capital repayment method: A repayment method in which the borrower distributes the loan amount to each installment evenly during the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month. 3. Pay interest on a monthly basis, and repay the principal at maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date, and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis. 4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period. 5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures. 6. Borrow and pay back: After borrowing, interest will be calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.