First of all, the applicant can bring his ID card to the loan department of the bank branch of the bank to check the outstanding amount.

This method is the most commonly used. If the borrower just wants to inquire and doesn't want to repay immediately, he can apply for printing the repayment schedule within one year after the inquiry, and then he can inquire about the loan balance within one year. If you want to repay in advance, you can go directly to the original loan department for settlement, or you can inquire directly there. Secondly, lenders can open online banking and make quick inquiries directly through online banking. After opening online banking, the applicant goes to the website of the bank applying for a loan, finds personal loan, my loan and makes loan inquiry. I want to find out how much loan I still have in China Bank.

China Bank's personal mobile banking inquiry personal loan repayment plan: Please log in, select More-Loans-click "My Loan" on the home page to enter the inquiry page of your existing loans. If you have a personal housing loan, "Personal Commercial Housing Loan" will be displayed here. Click to enter the loan details page, and click "repayment record" behind the "repayment date" field of the loan details page to enter the repayment record details page. There is a horizontal menu on the page, and the default is "Remaining", which is the remaining repayment information arranged in positive order. Tips: You can query the remaining installments, repayment date, amount to be repaid, principal to be repaid, interest to be repaid and other information of the selected loan through this function. The above contents are for your reference. Please refer to the actual business regulations.

Third, how to check whether there is a loan on the real estate license?

You can go to the local housing authority to check whether the house has a loan.

Because it involves the registration of houses, and mortgage registration is done in the Housing Authority, as long as you find the mortgage registration of houses in the Housing Authority, it means that there is a loan. However, only formal loans can be found. If it is private lending, it may only be in writing.

Program flow

1. To apply for mortgage, submit the following documents from the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Other documents or materials required by the bank for the purchase and construction of housing contracts.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank.

4. The guarantee contract between the borrower and the borrower shall be notarized.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6. The loan applicant repays the loan on a monthly basis.

Repayment method

brief introduction

There are two repayment methods for housing loans with a loan term of more than one year: average capital repayment method and matching principal and interest repayment method.

Average capital

It is to divide the total loan into equal parts during the repayment period, and repay the equal principal and interest generated by the remaining loans in the current month every month.

Monthly repayment amount = (loan principal/repayment months) (principal-monthly interest rate

Features: Because the monthly repayment amount is fixed and the interest is getting less and less, the lender is under great pressure to repay at first, but with the passage of time, the monthly repayment amount is getting less and less.

Average capital plus interest

During the repayment period, the same amount of loans (including principal and interest) will be repaid every month.

Monthly repayment amount = [loan principal × monthly interest repayment months ]=[( 1 interest rate) repayment months-1]

Features: Compared with the average capital, the initial interest accounts for most of the monthly contributions. With the gradual return of the principal, the amount of contribution is fixed, which can control the expenditure of family income in a planned way, and it is also convenient for each family to follow its own

Fourth, why can't I find my repayment record?

First of all, if you want to check personal credit records, you can go to the Credit Information Center of the People's Bank of China. Basically, you can check the personal credit situation from 2009 to now. Personal credit records are generally kept for five years. So we can only check the integrity records of the past five years.

As a comprehensive information platform, the credit information system of China People's Bank aims to preserve the credit records of cardholders, so it is also very objective. So as long as you query personal credit records and log in to the credit information system of the People's Bank of China, you can find it.

The specific steps of personal credit inquiry are as follows:

First, submit a registration application. Individuals need to log on to the Internet personal credit information service platform to register. In order to ensure information security, it is necessary to verify the real identity when submitting the registration application, and only after passing the verification can you become a registered user.

Second, user activation. After the registration application is verified, the platform will send the activation code within 24 hours according to the notification method specified by the user when applying for registration. The activation code is valid for 7 days, and users need to log in to the platform with the activation code to activate users within the validity period.

Third, query credit information. Users can query their credit information after logging in to the platform to activate users.