I. Inquiring about the loan contract There will be detailed loan information, including the loan contract number, when handling the loan contract with the bank. You can find the loan contract of China Construction Bank at home.
2. Consultation in the service hall of CCB If you go to the service hall of CCB to consult the loan contract number, you must go in person and your ID card will be found.
Third, consult the customer service of CCB. If you don't want to go to the bank, you can also choose to call the customer service of CCB. If you call customer service, you need to provide your ID number and corresponding information.
Loan contract is a form of economic contract. That is, the lender will deliver the money to the borrower for use, and the borrower will return a certain amount of money and interest to the lender on schedule in accordance with relevant regulations, and determine the rights and obligations between them. In order to ensure their own safety, the lender requires the borrower's financial status (especially its liquidity) to be at least as good as when signing the loan contract. The clauses listed in the loan contract to protect the interests of the lender are called protective contracts. The loan contract itself only means that the lender has the legal right to take action when the borrower violates the terms of the contract. Otherwise, the lender will be bound by its promised loan terms and will not take corrective measures before the contract expires.
Use:
The borrower shall use the loan for the agreed purpose and shall not use it for illegal purposes. The purpose of the loan agreed in the loan contract shall not violate the provisions of the state on restricting operation, franchising and prohibiting operation by laws and administrative regulations.
Clarifying this clause can protect the borrower's right to use funds; For lenders, it can monitor the flow of funds, ensure the return of funds and control risks.
Restrictions:
Reasons for restricting the use of the loan: First, if the borrower uses the loan for illegal purposes and violates the prohibitive norms of national laws and administrative regulations, the loan contract is invalid. Even if the lender is not aware of this illegal use when using the loan, once the lender knows this illegal use, it must stop the borrower from continuing to withdraw money. Secondly, restricting the use of loans is to ensure the source of repayment funds. If the loan is not used according to the agreed purpose, the borrower may lose the repayment ability due to improper operation. In addition, the internal operating policies of lending banks may have restrictions on the industries or departments that issue loans, and government regulations and decrees sometimes have similar provisions. Finally, restricting the use of loans may also be because it involves the interests of third parties. For example, in export credit projects, the use of loans is limited to specific payment targets.
2. Where can I check the mortgage of CCB?
Details of CCB mortgage inquiry are as follows: 1. Online inquiry: users can log in to CCB official website and select "Personal Loan" after personal account, and then they can inquire about the detailed information of the loan, including loan amount, loan term, loan interest rate, etc. 2. Counter inquiry: Users can bring their personal ID cards to the business outlets of China Construction Bank to inquire about personal loan information; 3. For mobile banking inquiry, log in to the mobile banking of China Construction Bank, and select "Loan" after logging in, you can view the CCB loan under your personal name. The loan balance refers to the total loan that the borrower has not returned to the lender on a certain node date. The loan balance is not the loan amount. The loan amount refers to the contract amount, which is a constant amount. Total loan refers to the total amount of loans issued by commercial banks before a certain date. Loan-to-deposit ratio is included in the bank's assessment indicators, that is, the proportion of loan balance to deposit balance cannot exceed 75%, otherwise it is illegal and risky. The balance of deposits is an indicator of liabilities and the balance of loans is an indicator of assets. The total loan refers to the total amount of credit incurred by the enterprise at the end of the accounting period, indicating the total amount of loans or financing borrowed by the enterprise from the bank, while the loan balance refers to the outstanding loans at the end of the accounting period, which is equal to the total loan minus the repaid bank loans. That is, the loan balance of short-term loans or long-term loans = the loan balance of the previous period, the amount of credit (financing increase)-the amount of debit (loan repayment). The balance of deposits refers to the total deposits of commercial banks before a certain date, including savings and corporate demand deposits, time deposits, interbank deposits and deposits with the central bank. Return on assets = net profit after tax/total assets. Return on assets, also known as return on assets, is an index used to measure the net profit created by unit assets. A useful indicator to evaluate a company's profitability relative to its total asset value. The calculation method is that the company's annual profit is divided by the total asset value, and the return on assets is generally expressed as a percentage. Sometimes called return on investment. Operating system: brand: APPle 12 system version: ios 14 China construction mobile banking App, version 7.0. 1.2.0.
Third, how to inquire about the housing loan of China Construction Bank?
I suggest you repay the loan first, which is better, no matter from the perspective of loan amount or success rate.