Contract number of personal commercial loan: you should fill in your loan account number (12 digits) when handling loan business in China Bank, and the loan account number is the unique identifier of the loan automatically generated by the banking system in China. You can log on to the mobile banking of Bank of China, and click on "Loan"-"My Loan"-"Personal Housing Loan" in turn.
The above contents are for your reference. Please refer to the actual business regulations.
Where can I see the house loan contract number?
The housing loan contract number can be queried in the following three ways:
1. In the loan contract, the combination of a string of letters and numbers in the upper right corner of the first page of the house purchase loan contract is the loan contract number;
2. Online inquiry, official website, the local housing authority, has included relevant housing loan information. Enter the name of the property owner, the title certificate number and other information to inquire about the loan contract number;
3. Inquire at the loan bank and directly bring your ID card, real estate license, etc. Go to the counter of the bank where the mortgage is located to find the loan contract number.
Mortgage interest rate: Since all banks are equally safe and reliable, it is of course the lowest cost to choose a loan first. After all, buying a house loan is not a small amount, and a slight gap can save you tens of thousands of dollars. So when you go to the bank for consultation, you must first understand the mortgage interest rate, which is directly related to the mortgage interest expense. Repayment method: Although there are many repayment methods supported by mortgage, different banks may have different repayment methods for different customers, and may only designate you to repay in a certain way. Therefore, everyone should choose the repayment method that suits them best, because different repayments will have differences in interest, such as average capital and equal principal and interest. Which bank can provide a more suitable repayment method is also one of the reference standards.
Interest adjustment scheme: the bank can adjust the interest rate monthly, quarterly or annually during the contract period, or it can adopt a fixed interest rate method. Different banks have different regulations, which can be discussed with customers. It is suggested to know some related contents in advance before communicating with the bank. Some banks allow customers to choose, and some banks implement a unified interest rate adjustment method for customers. You can choose the one that suits you best. Penalty interest: At present, banks have the right to decide the penalty interest rate of mortgage loans. The regulations of each bank are different. Generally, they will raise the loan interest rate by 30% to 50% on the basis of the loan contract. Although many people will not be overdue, they will inevitably forget to repay, so it is right to try to choose a bank with a lower penalty interest.
How to query the loan contract number and fill in the loan contract number?
When users go to the bank counter to handle loan business, they will sign a loan contract. Each loan contract has a special contract number, which usually consists of letters, dates and loan numbers.
The following are three ways to query the loan contract number for your reference:
The first method can be found through the paper loan contract, usually the loan contract number is in the upper right corner or the middle part of the contract cover.
In the second way, if the user's contract is accidentally lost, you can check it through the mobile banking APP of the repayment bank. Open the mobile banking APP of the bank, inquire about personal loan information and find the relevant loan contract number in the loan information.
The third way is to call the customer service hotline of the bank to which you belong and provide the corresponding personal information according to the telephone prompts, and then you can get the contract number of the personal loan.
Users can go to the corresponding bank outlets at any time with their personal ID cards, and ask the counter staff to help inquire about the loan contract number and other related information. Some banks have also introduced smart counters to facilitate public inquiries.
Does every loan contract have a loan number?
Every loan contract signed by a bank has a corresponding contract number, which is unique. The loan contract specifies the loan amount, term and purpose, and clearly defines the scope of use of the lender's loan. After the loan application is submitted, the bank will review the authenticity of the materials submitted by the lender.
After the approval, the bank will notify the lender to sign the loan contract at the bank counter. When signing the contract, be sure to read the above contents and confirm that the loan information is correct. After that, the loan can be recovered. Special reminder is to repay on time and maintain a good personal credit record. Otherwise, personal credit will be affected and the next loan will also be affected.
The loan contract number required for tax return, some banks are the number on the paper loan contract, and some paper contract numbers are not necessarily the loan contract number, so you need to contact the loan handling bank for enquiry. In the way of inquiry, you can inquire through electronic channels or mobile banking.
What is the loan contract number?
The loan contract number is a digital number set by the bank to facilitate different users to manage and inquire about loans, and is generally printed directly on the home page of the loan contract.
I. If the loan contract is not at hand, the loan entity may apply for inquiry through the following channels:
1, loan bank official website
2. Loan Bank Mobile Banking APP
3. Lending bank outlets
Second, under normal circumstances, the loan contract number is relatively confidential and cannot be found through the bank customer service phone.
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.
(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. 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: that is, the borrower distributes the loan amount to each period (month) evenly throughout 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) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), 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, which is generally 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) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.
(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.