1. Log in to the latest version of mobile banking and inquire through "Loan-My Loan-Details".
2. Log in to personal online banking and query through the function of "Loan Service-Other Personal Loans-My Loans-Details/Repayment Plan".
3. Contact the loan center of the loan handling bank for inquiry. The telephone number of the loan handling bank can be inquired through the "outlets and ATM" function in the lower left corner of CCB official website.
(Operating environment: Apple 12 mobile phone, ios 14 system, version 5.6.0 of China Construction Bank)
Personal loan, also known as retail loan business, has become an important loan business after decades of development. Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation. 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 loan (referred to as "personal loan" for short), also known as retail loan business, rose in western countries after the Second World War and has become an important loan business after decades of development. The main reasons for the rapid development of western retail loans after the war are: first, the competition among financial institutions is becoming increasingly fierce, and the importance of retail business is recognized; Second, after the war, the economic development in the western region was relatively stable, personal income increased, and people were willing to use loans for consumption; Third, the emergence of a large number of credit reporting agencies enables banks to know the credit status of borrowers conveniently and quickly.
China's personal loan has been implemented in Shenzhen, hoping to stimulate the development of China's financial industry in more channels, directions and diversification.
There are also non-bank professional financial institutions in Beijing that provide professional small personal credit loans, which is the first in the industry, and the wealth management products are constantly improving, and the rates are similar to those of banks that can provide credit loans.