1, go to the bank outlet for mortgage:

2. Log in to the online bank for inquiry:

If you have opened the bank's online banking, you can log in to the online banking to inquire about personal loans, and you can inquire about repayment details.

(1) Open Baidu browser and log on to the homepage of China Construction Bank.

(2) Click E-Pass in the upper right corner to open the E-Pass interface.

(3) Click Register at the top left and enter personal registration information, user name, password and mobile phone number.

(4) Real-name authentication is required after registration. Click Real-name authentication and enter the personal ID number and verification code.

(5) After real-name authentication, you will be logged out of the system and need to log in again.

(6) After logging in again, relevant forms and columns such as loan plan will be displayed on the home page of Fanketong, and you can inquire about personal loans.

Extended data

Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral. According to the source of loan funds, it is divided into provident fund loans and commercial loans. According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method. The housing loan interest rate is based on the benchmark interest rate of banks in the same period, and the loan interest rates of different banks have slightly increased.

According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method.

Matching principal and interest repayment method is to repay the same amount of loans (including principal and interest) every month during the repayment period, so that because the monthly repayment amount is fixed, the expenditure of family income can be controlled in a planned way, and it is also convenient for each family to determine the repayment ability according to their own income.

The repayment method of equal principal is to repay the principal in equal amount every month, and then calculate the interest according to the remaining principal. Therefore, due to the large amount of principal in the early stage, the amount of repayment in the early stage is large, and then it is decreasing every month. The advantage of this method is that the early repayment amount is large, which reduces interest expenses and is more suitable for families with strong repayment ability.

Equal principal and interest repayment method is also called monthly average repayment method. The repayment speed of the principal is slow, and the repayment pressure is light, at the cost of overpaying the total interest. Compared with the repayment method in average capital, the total interest difference is not obvious in the short and medium term (1-5 years), but only different in the long term (20-30 years). Whether equal principal repayment is equal principal repayment or not, the calculation method of interest in each period is the same, which is equal to the remaining principal multiplied by the monthly interest rate.

What repayment method to choose depends on the individual's repayment ability. Don't choose the principal repayment method just because the total interest paid is small. In practice, many people still choose the repayment method of equal principal and interest.

Baidu Encyclopedia: Housing Loan