How can I see the repayment of the mortgage? Log in to personal online banking and select "Branch Function" to inquire about personal loans (inquire about annual repayment plan, inquire about historical repayment records and modify personal data); Dial telephone banking, individual users click 1, enter user number, passbook number, card number, personal loan information inquiry (7), "7". Hold my ID card to the local people's bank credit center to inquire and print personal credit records. You can view the annual repayment plan, historical repayment records and adjustment of personal data. For specific inquiry methods, please call the customer service hotline of the handling bank for consultation.
Generally speaking, the repayment methods of mortgage loans can be divided into two types: equal principal and interest and equal principal and interest. The principal ratio of these two repayment methods is different. Either way, the bank will calculate the interest according to the remaining principal. When can the bank let them repay the loan in advance? Most banks will require early repayment within one year, but some banks say they can do it at any time. Among the state-owned banks, China Construction Bank and Industrial and Commercial Bank of China should repay the loan one year in advance, and Industrial and Commercial Bank of China should repay the loan more than half a year in advance.
The repayment method of mortgage loan is 1, with equal interest. Features: the cost is the same every month. In essence, it is an interest rate that increases the principal month by month and decreases month by month. When the time and amount of the loan are equal, the total interest rate of the same amount is much higher than the principal of the same amount. Suitable for equal interest: Pay the same amount of interest every month, so it is more suitable for families with regular spending plans, especially young people. The older you are or the higher your status, the more you earn and the higher your living standard. This kind of person, if he chooses the main method, will be under great pressure in the early stage.
2. Average capital, characteristics: monthly repayment, monthly increase; This is a month's repayment, plus the previous interest, there will be one month's interest every month. Therefore, the repayment amount of the average capital method is one month or more, and it is gradually reduced every month. Applicable object of average capital: the average capital method is more suitable for borrowers with high short-term repayment ability. Due to the large initial repayment amount, it gradually decreases every month thereafter. Of course, as they get older or retire, their income will decline.
This is how to check how much principal and interest the mortgage has paid. I believe you already know something about it, and I hope this article will help you.