Hello, generally speaking, there are three ways to query personal loan records, namely, through loan banks, through central bank credit information system and through private credit information system. Bian Xiao introduced the specific query methods for everyone.

Inquire through the loan bank

You can go to the bank outlets that have applied for loans and ask the staff to print the list of repayment records for you. You can see your repayment records of each period in detail in the daily account.

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 online query method is as follows:

1, recorded in the credit information center of official website, 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

Now many private credit information systems also record everyone's personal loan information. Therefore, people can check their personal loan records through them. Commonly used folk credit information systems include koala credit information, Peng Yuanzheng credit information and Huadao credit information.

Generally speaking, it is more reliable to query personal loan records through the central bank's credit information system. However, according to the regulations, everyone can check their credit records for free through the central bank's credit information center twice a year. Finally, when choosing loan products, please try to choose loan products of big brands, with transparent interest and fees, and at the same time ensure the security of your information. "Qianhua" is the original Baidu financial credit service brand (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). Its positioning is to provide personal consumer credit services for the public and create an innovative consumer credit model. The application materials are simple, with the fastest approval in 30 seconds and the fastest loan in 3 minutes. It can be repaid in advance, and the loan can be recycled after repayment. I hope this answer is helpful to you. Click on the bottom of the phone to measure the amount immediately. The maximum loan amount is 200,000.

How to inquire about personal loan information

You can log in to online banking and query the loan situation through the function of "Loan Management-Loan Query and Settings", including historical transactions, application progress, contracts, remaining repayment plans, line details, overdue information, etc. You can also change the repayment account. You can also log in to the mobile banking and inquire about the loan situation through the function of "Home Page-Loan Management-My Loan", including historical repayment, overdue, remaining repayment plan, loan amount, contract and other information. You can also change the repayment account and prepay.

The above contents are for your reference. Please refer to the actual business regulations.

How do I check if I have a loan record?

1, Credit Information Center of China People's Bank.

If you don't have a loan record and are worried about being loaned by others, you can go to the Credit Information Center of the People's Bank of China to inquire about the Personal Credit Information Record Report, which will show the loan situation in your name on the national network. Of course, this report is lagging behind, about a month.

2, the loan bank counter query

If you know that you have a loan and want to check whether there is any problem with your loan record, you can bring your ID card and other related information to the loan bank counter for detailed inquiry.

3. Online banking inquiry

If you have already opened the online bank of the loan bank, you only need to log in to the online bank official website for loan inquiry.

4. Telephone enquiry

Just call the official phone number of the loan bank to inquire about the loan information.

Extended data

The simple and popular understanding of loan is to borrow money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.

Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator.

In civil law, interest is the legal fruit of principal.