One of the biggest benefits of this is that the lender can not only inquire about the loan balance, but also ask the bank to help print the repayment schedule within one year after the inquiry, so that you can clearly understand the loan situation within one year.
The second type: query through online banking.
Inquire through online banking
1. Lenders can check the loan balance without leaving home after opening online banking. Lenders can usually use "personal loans", such as Agricultural Bank of China.
2. "My Loan" is a detailed view of your loan and loan status. If you need to go through the extension formalities, you need to go to the counter.
3. "Loan Inquiry" If there is any outstanding loan, it will be displayed in my loan, and the completed loan can be inquired in the historical loan.
Such a path to operate. This method is the simplest. Through online banking, you can not only query the loan balance, but also query the repayment records and other information.
The third type: through the bank customer service telephone inquiry.
Lenders can also call the customer service phone of the loan bank to inquire, but this method can only obtain the single information of the loan balance, and can't know the monthly repayment situation before and after.
Extended data:
Because the mortgage lender who needs to repay the loan in advance needs to carefully check the application for repayment in advance and then review it, and the application also takes some time. If the lender wants to repay the loan in advance, under normal circumstances, he should take good care of his ID card and loan contract to the bank after making a phone call or making a written request. As a trustee, he should take good care of the real estate license, settle other debt documents confirming the pledge at the bank, and personally go to the district construction committees to understand the pledge situation. What is not taken seriously is that if the diners don't have a one-time knot. The original policy and invoice can be booked by calling the relevant security companies. If it is a depositor and the owner who handles the mortgage refinancing business, it is best to find an amateur guarantee service agency to do notarization, so as to avoid the situation that the depositor does not buy or the depositor reviews the formalities after the owner repays in advance.
First, don't forget to surrender the loan in advance.
When the lender handles the loan, the bank will cancel the pledge. For example, if it is necessary to go through the prepayment procedures, Hefei Small Loan Bank normally requires the lender to submit a written or telephone request 15 working days in advance, and the bank will accept the loan. If it is a lender who settles the full balance, Hefu Microfinance is prepared to make a remaining loan line after the bank, so that the lender can take out the remaining money and repay the loan in advance.
Second, we can't ignore the oath.
The danger of the owner's falling price after the down payment is paid off. After the borrower settles the full amount in advance, the bank will show the settlement confirmation, and the lender will plan after keeping the copy of the loan settlement confirmation issued by the bank and the original system of each bank.
Third, prepayment needs preparation.
At present, some banks will release the pledge by themselves. After the pledge is released, the lender himself needs to go to the bank to get a house book. There will be changes. Banks stipulate that early repayment should be several times of 65,438+0,000, and some banks still need to charge a certain amount of non-repayment. If the depositor pays off the loan, he must not forget to pledge a certain loan and cannot ask for surrender.
References:
Baidu encyclopedia-mortgage