First, print the credit report, and the current mainstream loans will be reflected in the credit report;

Second, use the big data query application to query. These products mainly include loans from institutions other than banks, and you can check the lending institutions included in the credit report;

Third, query the bank account, and indirectly sort out your own loan records by querying the transfer and collection records of the account;

Fourth, when waiting for the collection, let the other party show the loan voucher to determine whether it is their own loan. ：

The following is the specific loan process:

1, loan application stage. Customers need to apply to banks and other lending institutions and fill in some application materials.

2. The loan review stage. The borrower shall also review the application materials submitted by the borrower.

3. Sign a payment contract. After approval, both parties shall sign a loan contract and a guarantee contract as the case may be.

4. Payment for goods. Lending institutions issue loans according to the amount agreed in the contract.

5. The payment has been settled. Need to settle the loan, including normal settlement and early settlement, you can choose. With the rapid development of inclusive finance, the banking industry has also accelerated its transformation and development. It is more and more convenient to apply for a loan in the bank now. Ordinary people can apply for loans on the bank app, its directly affiliated bank or its credit card app. There are also many types of loans, which are suitable for all kinds of people, but the loan materials and loan requirements of the corresponding loan products are different.

1. If you have real estate, you can apply for a mortgage loan. The loan amount is related to the valuation of the mortgaged house. The interest rate is low, and the repayment method is mostly one-time repayment of principal and interest, so the repayment pressure is small;

2. If you have already bought insurance, you can apply for a policy loan product with a quota of about 200,000, and different banks have different pricing rates; 3. All kinds of provident fund loans and social security loan products need to fill in the social security information of provident fund. For civil servants, teachers, employees of Fortune 500 companies and other high-quality corporate customers, there will be a quota of 300,000, and the interest rate will be between 4.5 and 9. If the level of social security accumulation fund is slightly poor, you can also apply for a loan, but the pricing of customers is more differentiated and the way to apply for a loan is more convenient. The loan app directly clicks on the application, which is fast. Generally speaking, the banking industry is now in transition, and the small sinking customer market that was not paid much attention to before has become more important, with fierce competition and improved service level.