At present, there are three ways for ICBC to inquire about personal loans: online banking, telephone banking and bank outlets.
1. The online banking inquiry process is as follows:
Log in to personal online banking → click "Branch Function" → personal loan information query (query repayment plan of the current year, query historical repayment records and adjust my personal information).
2. Telephone banking inquiry process is as follows:
Call ICBC Telephone Banking 95588→ press 1 or press 7 for personal loan information inquiry → press 2 for personal loan information inquiry → enter repayment account number and password (press 1 for housing loan, press 2 for automobile loan, press 3 for consumer loan and press 4 for commercial loan).
3. Bank outlet inquiry.
Second, can banks check the previous mortgage records?
When a bank handles a mortgage, it can find all its loan records for more than one month, and the loan records are uploaded to the central bank by the credit information system. A month later, you can check all the deposits and loans handled by the People's Bank of China in the personal credit information system. According to the law, Article 29 of the Regulations on the Administration of Credit Information Industry shall provide credit information to the basic database of financial credit information in accordance with the regulations. Institutions engaged in credit business shall obtain the written consent of the information subject in advance to provide credit information to the basic database of financial credit information or other subjects, and the provisions of these Regulations on information providers shall apply.
3. Where can I print the mortgage repayment record? Just go here!
Now, buying a house is very easy. A friend wants to print his mortgage repayment record after repayment, but he doesn't know how to operate it. So, where can I print the mortgage repayment record? Here, I'd like to introduce some related matters to you.
Because housing loans are divided into commercial housing loans and provident fund housing loans, the printing channels are also different. Details are as follows:
Commercial housing loan
In general, there are two print channels for mortgage repayment records of commercial loans. One is to go to the business bank of the loan bank and print it online.
Matters needing attention
1. When printing mortgage repayment records at outlets, everyone should prepare their own bank cards.
2. When printing mortgage repayment records through online banking, you should open online banking in advance and prepare the printer.
3. For the convenience of handling, you can contact the bank outlets in advance to make an appointment.
Provident fund housing loan
If you buy a house through a provident fund loan, you need to print the mortgage repayment record at the provident fund management center or the office of the provident fund management center within your jurisdiction.
Matters needing attention
If you apply for a portfolio loan, you can print it in the commercial bank that applies for a portfolio loan.
Above, I introduced that the printing channels of mortgage, commercial and residential loans and provident fund housing loans are different, and everyone should do it according to their own actual situation.