What should I do if I want to inquire about personal loan information, whether it is a loan or not? Some people borrow other people's ID cards to get loans. I don't know if I can get a loan. We need to check the details of the loan carefully before we know. So how can personal loan information be inquired?
1. Personal online banking inquiry
This kind of inquiry is suitable for personal online banking counter customers. The poor inquiry steps are to log in to the bank official website-e-banking personal online banking-log in to your own account-select loan inquiry.
2. Telephone banking inquiry
Applicable customers are registered accounts and self-registered accounts of individual registered customers and individual self-registered customers. The inquiry steps are as follows (taking ABC as an example): 1 inquiry -3 loan inquiry-1 loan information inquiry /2 inquiry about repayment details by date /3 inquiry about repayment due in the next period. The information I want to know is as follows: (1) loan account number, IOU number, installment paid, accumulated principal paid, interest paid, remaining installment, remaining principal; (2) Query repayment details by date; (3) Inquire about the next repayment.
3. Ask at the loan bank counter.
You can go to the loan bank to inquire about personal loan information. You can inquire according to the following steps: customers bring ID cards and other loan-related information. If there is no loan, customers can bring their ID cards directly. Go to the front desk of the loan bank and ask him to check for you.
4. Personal credit inquiry
No matter who you are, as long as you can query personal credit information, you can apply for it yourself. Customers can directly log in to the personal credit information system online, or ask someone to help you inquire, and bring ID cards and other related materials to the credit information center for inquiry.
How to inquire about personal loan information?
Personal loan information can be queried in the following ways:
Inquire through the loan bank; Inquire through the central bank's credit information system; Inquire through the civil credit information system.
Inquire through the loan bank
You can go to the bank outlets that have applied for loans and ask the staff to help print the list of repayment records. In the daily account, you can see your repayment records for each period.
Inquire through the central bank's credit information system
You can go to the local central bank's credit information management center to inquire about personal loan records, or you can inquire about personal loan records through the central bank's credit information center official website.
The method of online inquiry is as follows:
Open the Baidu 12.23.5. 10 browser in the iPhone 4. 1 version.
1, enter the credit information center official website, and click to enter the Internet personal information service platform ";
2. Click "Start Now" in the platform and complete the registration after entering the page;
3. After logging into the account, you can apply for personal loan records.
Inquire through the personal credit information system
Personal credit information system also records personal loan information.
Supplementary information:
Personal loan, also known as retail loan business, has become an important loan business after decades of development.
Personal loan refers to the loan issued by the lender to the borrower for the purchase of owner-occupied housing and the repair and construction of owner-occupied housing (excluding export housing) by urban residents.
When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
Personal loans include personal housing loans, personal housing provident fund loans, personal car loans, personal study abroad loans, personal comprehensive consumption loans, personal production and operation loans, personal credit loans, personal certificates of deposit (government bonds) and so on. There are two repayment methods, equal principal and interest repayment and equal principal repayment.
Personal loans refer to local and foreign currency loans provided by lenders (general commercial banks) to consumers or families for personal consumption, production and operation. , and agreed to loan interest, agreed to repay the principal and interest on schedule, for the purchase of owner-occupied housing, consumption or small investment business. Personal loans provided by banks are different. "
Will bank staff disclose the personal information of customer service when lending to rural commercial banks?
No, when lending to rural commercial banks, banks will strictly protect the personal information of each customer and will not disclose it without authorization.
Please fill in the basic information of the loan completely.
Please fill in the basic loan information completely and ask the borrower to fill in the detailed loan information.
The basic information table of loan customers includes:
First, basic information, such as personal ID number, telephone number, marital status, domicile, occupation, legal representative of the enterprise, registration information, etc.
The second is the loan information, including the purpose and amount of the loan;
The third is the credit transaction record, his loan situation, repayment situation and default situation; Fourth, family members' information, including occupation, identity, income, wealth possession and family expenditure;
Pay attention to ensure that the information filled in is true and effective, and it is best to find out the unclear information before filling in. The information filled in must not be falsified.
How to check the personal loan information of Industrial Bank?
The method for Industrial Bank to inquire personal loan information;
1, personal online banking
Applicable customers: personal online banking counter registered customers.
How to inquire: First, you should log in to the bank official website-e-banking, personal online banking-login account-and select loan to inquire.
2. Telephone banking business
Applicable customers: registered accounts and self-registered accounts of individual registered customers and individual self-registered customers.
How to inquire: Take Agricultural Bank of China as an example. Suppose you borrow some money from the Agricultural Bank of China. Then, the query steps are as follows: 1 query -3 loan query-1 loan information query /2 query repayment details by date /3 query repayment due in the next period.
Inquirable information: loan information inquiry: loan account number, IOU number, repaid period, accumulated repaid principal, repaid interest, remaining periods and remaining principal; Query repayment details by date (year, month, day, repayment amount); ; Inquire about the next repayment (loan account number, loan receipt number, amount and date).
3. Go to the bank counter where the loan is made.
Applicable customers: everyone
How to inquire: Go directly to the bank counter with ID card and other relevant information.
4. Inquire about personal credit records
Applicable customers: everyone
How to inquire: You can directly log in to the personal credit information system online, or you can directly inquire at the credit information center with your ID card and other related information. It is worth noting that the personal credit record will only show whether you have borrowed money, whether it is overdue and so on. , the specific detailed information is not known yet. It is recommended to inquire through telephone banking.
This concludes the introduction of personal information of loan customers and information of bank lenders. I wonder if you found the information you need from it?