You can log in to online banking and query the loan situation through the function of "Loan Management-Loan Query and Settings", including historical transactions, application progress, contracts, remaining repayment plans, line details, overdue information, etc. You can also change the repayment account. You can also log in to the mobile banking and inquire about the loan situation through the function of "Home Page-Loan Management-My Loan", 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.
How to inquire about the specific details of personal loans?
1. Telephone banking inquiry
Call ICBC Telephone Banking 95588→ For individual customers, please press 1→ Enter the customer number or passbook number or → For personal loan information inquiry, please press 7→ Personal loan information inquiry.
Second, the bank outlets query
I took my ID card to the Credit Management Office of the local people's bank to inquire and print personal credit reports.
Third, 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.
I. Definition of loan
Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
Second, the principle of sex
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1. Loan security is the primary problem faced by commercial banks.
2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time.
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.
Third, loan interest.
Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator.
In civil law, interest is the legal fruit of principal.
How to inquire about personal loan information?
For personal loans handled by China Merchants Bank, you can query the issued loans through self-service channels, including: repayment date, repayment method, remaining arrears, number of remaining installments, quota, start/expiration date of quota, loan status, etc. If you can't find a loan through the following channels, it means that you don't have a loan in our bank ~
1. Mobile Banking: Please check the repayment date of the loan, the amount to be repaid, the start date/expiration date of the line, the number of remaining periods, etc. In all my loan records. After entering the page, click on the loan, and you can query the repayment method, interest rate, loan status and other information.
Tips:
① If it is a provident fund loan, you need to contact the local loan handling bank or provident fund management center.
② If you can't find it through this interface, you can contact online customer service to try to understand the reason.
2. Premium Key Professional Edition: You can log in to the Professional Edition and click All-in-One Card-Loan Management-Personal Loan Inquiry to inquire about loan information.
Tips: At present, the Professional Edition doesn't support Mac system, so Apple computer can't log in to the Professional Edition.
3. Loan invitation App: If your loan from China Merchants Bank has been issued, please log in to the loan invitation APP, click Loan Management-Loan Record, and then click the applied loan to inquire about the loan details.