How to check the personal loan information of Industrial Bank?

I. Inquiring about my loan record, there are several ways to explain the bank loan situation. 1, online banking inquiry 2, telephone banking inquiry 3, bank outlet inquiry I hold my ID card to the credit information management office of the local people's bank to inquire and print my personal credit report. 4. Consult the bank loan auditor. You can query the repayment plan, historical repayment record and personal information adjustment of the current year. Different banks have different regulations. You can call the customer service telephone of the handling bank for specific inquiry steps. 2. Inquire about non-personal loans. For example, guarantee for others, or suspect that personal information has been stolen. You can go to the branches of the People's Bank of China to inquire about the personal credit record report, which contains the loan situation in your name, but the inquiry time is relatively long, and there may be information lag. (Note: Some provinces and cities can also inquire through the online credit information system. Personal bank loan inquiry service can help individuals to inquire about loan information, repayment records and repayment balance under their own names, effectively avoiding credit problems caused by negligence and adversely affecting the future. Don't think that you haven't borrowed money and no one will come to your house. Although the working procedures of banking institutions are strict, there are still loans that steal other people's information. Pay attention to personal information security.

The basic conditions for bank loans are: the applicant 18 years old, and the upper limit of the loan age is generally 55 years old or 60 years old; The applicant has a stable income and can repay the loan principal and interest on time; The applicant's credit report is good and there is no bad credit record in the credit report. Meet the above basic conditions, users can apply for bank credit loans. To apply for other types of loans, you need to meet some specific conditions.

For example, mortgage loans need collateral, secured loans need guarantors, and loan users need to have fixed business premises.

Bank loans are too slow. Can I change banks?

However, after the bank has applied for a loan, if it thinks that the progress is too slow, it can apply to the bank to cancel the loan, and then apply to another bank again.

The premise is that the loan approval result of the handling bank has not yet come out. If the loan approval result of the handling bank has come out, then you can't apply for cancellation of the loan. However, if the handling bank fails to pass the audit and is rejected, the customer can also go directly to another bank to apply for retry. If the approval is passed, the handling bank has started to lend money and the loan funds can meet the demand, then there is no need to go to other banks for loans.

In fact, loan approval itself takes a certain amount of time, and customers just have to wait patiently. If you apply and cancel, it may leave a bad impression on the bank, and if you apply for credit business in the bank in the future, it may also have certain influence. Customers should carefully consider before applying for a loan and choose a suitable bank to handle it.

After submitting the loan application, customers can also log in to online banking or mobile banking to check the loan approval progress; Or call the bank customer service phone directly to ask.