If you can't confirm whether there is a loan, you can check whether there is a loan in your name by querying your personal credit record.
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.
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.
How to check all the loan records in your name?
If personal loans are handled through China Merchants Bank, you can inquire about the loans already issued through self-service channels, including: repayment date, repayment method, remaining arrears, number of remaining installments, credit line, start and end date of credit line, loan status, etc. If you can't find a loan through the following channels, it means that you don't have a loan in our bank ~
1. Mobile banking: repayment date, repayment amount, start date/expiration date of the line, number of remaining periods, etc. Please check [all my loan records]. After entering the page, click on the loan, and you can query the repayment method, interest rate, loan status and other information.
Tips:
① If it is a provident fund loan, you need to contact the local loan handling bank or provident fund management center.
② If you can't find it through this interface, you can contact online customer service to try to understand the reason.
2. Professional version key: you can log in to the professional version and click Card-Loan Management-Personal Loan Inquiry to inquire about loan information.
Tips: At present, the Professional Edition doesn't support Mac system, so Apple computer can't log in to the Professional Edition.
3. CMB App: If your CMB loan has been issued, please log in to CMB APP, click Loan Management-Loan Record, and click the applied loan to inquire about the loan details.
How do I check if I have a loan?
You can query in the following ways:
1. You can check whether there is a loan in your name by querying your personal credit record:
2. Check the personal credit report online through personal online banking or mobile banking or China UnionPay Express APP!
3. Go to the credit information department of the local people's bank for enquiry; Log on to the personal credit information service platform of China People's Bank Credit Information Center for inquiry;
4. Bring your ID card to the local people's bank to apply for access to your credit records and inquire about your loan situation;
5. Find the local police for information retrieval, find personal information, and know whether there is a loan under your name.
Tips: When logging in to the website, you must pay attention to the authenticity of the website to prevent being cheated! If you find an unknown loan under your name, you can report it to the local public security organ!
You can query in the following ways:
1. You can check whether there is a loan in your name by querying your personal credit record:
2. Check the personal credit report online through personal online banking or mobile banking or China UnionPay Express APP!
3. Go to the credit information department of the local people's bank for enquiry; Log on to the personal credit information service platform of China People's Bank Credit Information Center for inquiry;
4. Bring your ID card to the local people's bank to apply for access to your credit records and inquire about your loan situation;
5. Find the local police for information retrieval, find personal information, and know whether there is a loan under your name.
Tips: When logging in to the website, you must pay attention to the authenticity of the website to prevent being cheated! If you find an unknown loan under your name, you can report it to the local public security organ!