If the personal housing loan handled by our bank has been issued, you can log in to mobile banking and online banking to check your loan information (including: quota/total loan amount, quota start date/maturity date, loan balance, remaining installments, repayment method, quota/loan status, deduction date and loan repayment record). The inquiry process of online banking public edition is as follows: Please go to www.cmbchina.com, the homepage of our bank, log in to the public edition of personal banking on the right (password login), and click loan management-personal loan inquiry-loan inquiry horizontally to view it.
Second, how to query mortgage information
Borrowers can check the mortgage balance through outlets and customers. Outlet inquiry: users bring their valid identity documents to the bank counter to inquire about the mortgage balance. Customer service telephone inquiry: users call the customer service telephone of the loan bank to inquire about the mortgage balance. Online Banking Inquiry: The path of "My Loan"-"Loan Inquiry" is used to inquire about the mortgage balance.
buy
1, equal principal and interest repayment.
Add up the total principal and interest of the mortgage loan, and then evenly allocate it to the fixed monthly amount of the repayment period, but the proportion of interest in the monthly repayment amount decreases month by month.
2. Equal amount
The so-called average capital repayment method, also known as the repayment method of interest with principal and average capital with unequal interest. Lenders will allocate the principal to each month and pay interest at the same time. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month.
3. One-time repayment of principal and interest.
If the loan term is less than one year (including one year), the principal and interest shall be repaid in one lump sum, and the repayment method shall be changed. The one-year term is expected to be extended to five years at most. This repayment method is simple to operate, but it is suitable for a narrow group of people, and it is easy for lenders to lack sufficient repayment ability. Lenders had better have better self-arrangement ability.
Step 4 pay on time
The unit that the lender can decide the principal and interest of the loan through consultation with the bank, that is, the "quarterly repayment" business launched by the bank on a monthly and quarterly basis belongs to this scope. Then there is the principal repayment plan. After consultation with the bank, the interval between the two repayments should not exceed 12 months, and the interest can be repaid monthly or quarterly.
5. Repay part of the loan in advance.
When the borrower applies to the bank, he can repay part of the loan amount in advance, which is generally an integer multiple of 1 1,000 or 1 1,000. After repayment, the lending bank will issue a new repayment plan, but the repayment method remains unchanged, and the new repayment period shall not exceed the original loan period.
6, equal increment summation, etc.
These two repayment methods are not dominated by several banks, but equal cost, which subdivides the repayment period. In each divided unit, the repayment method is equivalent to equal principal and interest, but the difference is that the repayment amount of each time divided unit can be increased or decreased by equal amount.
Third, how to check your mortgage information?
Many buyers will choose loans to buy a house, and the bank will transfer the house payment to the seller's or developer's account, and the buyers will repay according to the relevant agreement. After paying off the mortgage for a period of time, people will want to know their repayment situation and how many loans they need to pay back. So how can they inquire about their mortgage information? Next, Bian Xiao will briefly introduce it to you.
1. You can bring your ID card to the credit department of the loan bank to check your mortgage information. Usually, this way can not only know your loan balance, but also let the bank help print the repayment information within one year. In addition, you can also call the bank's customer service phone to inquire about your mortgage information. Usually, this method can only check the loan balance.
2. If we have opened the online banking of the loan bank, you can log in to the registered loan bank app. For example, open the login ABC app, click ABC Express E Loan in the page, and then click My Loan in the page to inquire about the loan situation. This method is not only simple and quick, but also can find out your loan amount and repayment record in detail.
3. There may be differences in loan interest, down payment and loan requirements of different banks. When you apply for personal housing loan, you can consult more banks. Banks usually introduce a variety of repayment methods, such as equal principal and interest, average capital and so on. Different repayment methods have their own advantages. Please ask the bank staff to calculate the monthly payment of different repayment methods and choose the most suitable and affordable repayment method.
4. Some lenders have enough funds in their hands, and they will want to repay in advance, which can save a lot of interest. However, banks usually have relevant agreements on early repayment, such as paying liquidated damages for early repayment within a few years. Before applying for a loan, it's best to know the relevant regulations of the bank on prepayment.
Bian Xiao: Bian Xiao will give you a brief introduction about how to check your mortgage information. I hope that after reading this article, I can provide reference and help when I inquire about my mortgage information in the future.
4. How to check the monthly interest and principal of mortgage?
To check the repayment of mortgage, you can bring your ID card and loan contract number to the loan bank counter. If you have a bank account and have enabled the online banking function, you can also log in to the online banking to inquire about personal loans.
In addition, you can also call official customer service numbers (China Agricultural Bank 95599, China Construction Bank 95533, China Industrial and Commercial Bank 95588, China Bank 95566, Bank of Communications 95559, Postal Savings Bank 95580).