You can inquire directly through the loan bank, or you can go to the service hall or service outlets of the local provident fund management center (remember to bring your ID card and repayment bank card when inquiring at the outlets); National medical insurance service platform App (Android) version number: V 1.0.2 Mobile phone model: Xiaomi MIX3 operating system MIUI 12. 1.0.
If it is through commercial loans, you can check the mortgage repayment records through online banking of commercial banks or directly through mobile banking.
Second, mobile banking.
Take the Bank of China as an example. First log in to the mobile banking of China Bank, select mine on the homepage, log in to your mortgage repayment account, then enter the homepage of China Bank and click Enter to view the remaining mortgage principal, then find the personal housing loan, click Enter, and then you can see the repayment record next to the repayment date, and click Enter to view the remaining loan, historical repayment and overdue repayment.
China bank App (Android) version number: V 1.0.2.
Mobile phone model: Glory 30
Operating system HarmonyOS system 2
Third, matters needing attention
It should also be noted that commercial loans and provident fund loans are printed in different ways. There are generally two printing channels for repayment records of commercial housing loans, one is printing at business outlets, and the other is printing directly through online banking of loan banks. If you are going to print in a branch, remember to make an appointment in advance and bring your ID card and repayment bank card. If it is online banking printing, you need to open online banking in advance and prepare the printer.
If you buy a house through a provident fund loan, you need to go to the provident fund management center or an office to print the mortgage repayment record. If it is a portfolio loan, the proposal can be printed separately or in a commercial bank that handles portfolio loans.
Details of mortgage repayment are as follows:
1. Method 1: Inquire about mortgage repayment. Bring your ID card to the counter of the bank outlet that handles the mortgage loan and print the repayment details, so you can see at a glance how much you owe, how much you have paid back, how much you have paid back and how much interest you still have.
2. Check the mortgage repayment. Method 2: Log in to online banking for inquiry. If you have opened online banking, log in online banking and inquire about personal loan items, you can inquire about repayment details.
3. Inquire about the mortgage repayment method 3: Use the repayment calculator. With the repayment calculator, you can input the loan amount, loan term, loan interest rate, loan time and repayment time according to the actual situation of your loan, and then you can clearly know the monthly repayment amount of the mortgage, how much principal and interest have been paid, and how much principal and interest is left.
4. You can also log in to the online bank of the loan bank for inquiry (provided that online banking is opened), you can also call the customer service phone of the loan bank for inquiry, and you can also print the repayment details at the bank outlets. If you have unclear suggestions, please consult the official customer service of the bank.
Inquiry method of repayment records of China Bank
1. Open the home page of mobile banking of Bank of China, click "My" and log in to your mortgage repayment account first;
2. After that, go to the home page of China Bank and click "Loan". You can see the remaining mortgage principal at the top of the page;
3. Find the entrance of "individual housing loan" and click enter;
4. On the "Personal Housing Loan" page, you can see the "Repayment Record" button next to the repayment date, and click Enter;
5. On the page of "Repayment Records", you can see the remaining loans, historical repayment records and overdue repayment records.
What if the mortgage is overdue?
1. Overdue repayment after the repayment date will be recorded in the credit report; Overdue bad records will be recorded in personal credit records, and if they are not returned all the time, they will be blacklisted, which will affect personal credit information; Handling methods and consequences of bad credit reports; Ensure that the arrears are paid off in time and pay all expenses.
2. Bad records can be cleared automatically after five years, and loan business can be handled normally at that time; If there is no repayment, the bank can trace it back once after five years, and the non-recording period will be increased by five years; If the circumstances are bad, it can be traced back to permanent preservation.
3. During the period of bad credit reporting, you can't buy train tickets or plane tickets to travel; During the period of bad credit investigation, loans and credit cards cannot be used; During the period of bad credit reporting, travel abroad is restricted.
4. If all the consumption funds are paid off before the due repayment date of the current billing cycle, credit card consumption can enjoy an interest-free period without generating cyclic interest. If you use the cash advance function, you can't enjoy the interest-free period for the cash advance part. Interest will be calculated from the day of withdrawal, with a daily interest rate of five ten thousandths, and compound interest will be calculated monthly until it is paid off.