You open the online banking of China Bank, and there is a personal loan option. You can check the personal loan at China Bank.
2. How to check the application progress of personal commercial loan of China Bank?
China Bank's personal commercial loan inquiry loan application progress: 1. You can log in to the personal online banking of Bank of China and inquire about the loan situation through the function of "Loan Management-Loan Inquiry and Settings", including historical transactions, application progress, contracts, remaining repayment plans, line details, overdue information, etc. You can also change the repayment account. 2. You can also log in to the mobile banking of Bank of China and use the function of "Home Page-Loan-My Loan (or directly search for" My Loan "on the home page)-Select the corresponding loan-enter the loan details page and click three points in the upper right corner-view the contract" to inquire about the loan situation, including historical repayment, overdue, remaining repayment plan, loan amount, contract and other information. You can also change the repayment account and prepay. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
Three, how to query the housing loan situation of China Bank?
1, bank counter inquiry: the borrower's ID card goes to the business counter to inquire about the loan progress, which can be found by bank inquiry.
2. Online inquiry: Users can log in to China Bank official website to inquire about loan advances.
3. Telephone inquiry: to find out the approval progress. You can also call the customer service hotline for enquiries.
4. China Bank's mobile APP query: You can download the "loan" entry query of China Bank through the software.
Operating environment: iPhone 12
VersionNo.: Bank of China 7. 1.6
Matters needing attention in applying for a loan
1, beware of the "down payment" trap:
In the past two years, with the gradual promotion of control measures such as destocking in the real estate market, the property market control policy has achieved certain results, market expectations have also undergone positive changes, and the upward trend of housing prices has been curbed. This also led to the introduction of "down payment loan" or "down payment installment" to attract buyers. From a legal point of view, this kind of behavior is an illegal act that breaks through the current purchase restriction policy. "Down payment loan" can easily pull many buyers with insufficient economic ability into the real estate market passively. Once the real estate market reverses,
2. Pay attention to personal credit:
Credit investigation is the collection of personal credit information by banks, including the usual use of bank card accounts and personal loan records. All these information are summarized in the general system of the People's Bank of China, forming a personal credit record. When applying for a mortgage, bad personal credit information will definitely affect the approval of the loan, the amount and time of the loan, and may directly affect whether the loan can be approved.
3. Don't touch the provident fund account casually.
As we all know, provident fund loans are actually more cost-effective than commercial loans of banks, and the balances of many provident fund accounts are also closely related.
Many people didn't plan to buy a house in the first place. In order to turn around, they took out the money in the provident fund account for other purposes such as renting houses, which reduced the amount of the provident fund to some extent. When there is a demand for buying a house in the future, they have to settle for the second best.
4. Remember to pay off the mortgage after paying off the mortgage:
A very simple IOU, after paying off the loan, you must get it back. In fact, the same is true for buying a house with a loan. When banks handle housing loans, they usually register the houses as mortgages, which also limits the transactions and remortgage of houses. Therefore, buyers need to register after paying off the loan. Only in this way can the house be truly owned by the buyers.
5. Don't lose important materials:
The mortgage is as short as 30 years and as long as 65438+20 years. Therefore, in such a long time, some important bills and materials must not be lost, such as purchase contracts and invoices, as well as loan contracts signed with banks. This must be kept well, otherwise the real estate license will be easy to come down in the end.
4. How to display bank loans and mobile banking loans?
If you have applied for a personal business loan in China Bank, you can log in to Bank of China Mobile Banking, Online Banking and Weizhong Bank to check the loan approval progress in my name. You can also contact the loan handling bank directly to understand the progress of loan approval. If in doubt, you can directly contact the loan bank personnel for consultation.
If in doubt, please continue to consult the online customer service of Bank of China. If you have other business needs, please download the mobile banking APP of Bank of China or follow "Bank of China Micro-Banking" on WeChat to continue consulting and handle related business.