To apply for a personal commercial loan from Bank of China, you can log in to Personal Online Banking 1 and inquire about the loan situation through the function of "Loan Management-Loan Inquiry and Settings", including historical transactions, remaining repayment plans, line details, overdue information, etc.
2. You can log in to mobile banking and check the loan status through the functions of "Home-Loan-My Loan"-Select the corresponding loan-enter the loan details page and click three points in the upper right corner-view the contract.
Please consult the loan handling bank for details.
The above contents are for your reference. Please refer to the actual business regulations.
How to check the car loan
1. Individuals carrying personal identity documents can inquire at the Credit Information Center of the People's Bank of China or directly at the personal credit information service platform of the bank;
2. Inquire at the bank or loan company that has handled the loan business;
3. Inquire about car loan records in personal online banking;
4. Make online inquiry through the service telephone of the lending institution.
The above are four ways to query car loan records.
Introduction to automobile loan
Automobile loan, also known as automobile consumption loan, refers to the amount that the borrower borrows from the lender because of the need to buy a car. Generally speaking, automobile consumption loan is a new loan method that banks provide loans to car buyers at their associated car dealers. Among them, the loan period of new cars is usually within five years, the loan period of used cars including extended loans is limited to three years, and the loan period of car dealers is within one year. At the same time, the borrower of car loan also has corresponding requirements. Specifically, the borrower must be a permanent resident of the place where the loan bank is located, and the individual has full capacity for civil conduct.
How to check whether the car loan has been repaid?
If you have applied for a personal car loan in China Bank, you can log in to Bank of China Mobile Banking, Online Banking and Weizhong Bank to inquire about the loan information under my name. Take mobile banking as an example, and enter the "Loan" module. The total balance of loan principal displayed at the top of the page is the sum of your remaining outstanding loan principal. If there are multiple loans, you can click on the balance to view the details. In addition, you can bring your valid identity documents to the loan processing outlets for enquiries.
The above contents are for your reference. Please refer to the actual business regulations.
How to check your car loan?
How to inquire about your car loan;
1. Enquiry about the business outlets of loan banks
After the loan, if you want to check the loan records, you can bring your ID card to the bank counter. The bank staff will ask you to fill out the credit report inquiry application form and submit it. After the submission is successful, the staff will help you print your personal credit report.
Step 2 call and ask
Call the loan bank service hotline and follow the voice prompts. If you can't operate, you can go to manual service, and the staff will help you deal with it.
3. Online banking inquiry
Search official website, a loan bank, on the webpage, enter, select the special services of branches, and then select personal loan information for inquiry.
4. Inquiry of Credit Information Center
Go to the credit information center of the local people's bank to inquire about the loan records of the Dala people, and you can also inquire about your own repayment records, outstanding funds and other loan information. There are only two opportunities to check the credit report for free every year, and a certain fee will be paid for the third check.
1. Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks provide RMB-guaranteed loans to car buyers who don't buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.
Second, personal loan car purchase business can be divided into three types: direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan. The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different. In addition to the above fees, the car loan of individual auto financing companies also needs to bear the supervision fee, fleet management fee and warranty renewal deposit. And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.
How to find out how much car loan is left?
If you want to know how much your car loan is still outstanding, you can take the following measures:
1. Find the car loan record on the personal account page of the online banking or mobile banking client of the handling bank (official website /APP), and you can find the remaining loan through the bill query option. In addition, customers can also know the previous repayment details.
2. Call the hotline of the handling bank (auto consumption finance company) and consult the customer service staff through the manual service channel. As long as I confirm my identity to the customer service, the customer service will naturally inquire for the customer and inform the result.
3. Bring personal ID card, repayment bank card, car loan contract and other related information to the offline business outlets of the handling bank (auto consumption finance company) to find a staff member to apply for inquiry, or ask the staff member to help print the car loan repayment list to know their repayment situation.
4. Look through the monthly repayment reminder message sent by the handling bank (auto consumer finance company). The content of the message will generally tell the customer how much is left this month and how much should be paid back.
How to inquire about auto loans?
If you know the information, you can query it in the following three ways:
1. Network query. Lenders can apply for checking the loan balance at the counter of the business outlets of nearby loan banks with their ID cards; You can also ask the bank staff to help print the repayment schedule within one year after the inquiry.
2. Online banking inquiry.
First, the lender can find "my loan" in the "personal loan" of online banking after opening online banking.
Second, you can query all the loan records by entering personal information in it.
3. Customer service telephone inquiry. Lenders can also call the customer service phone of the loan bank for inquiry. But this method can only obtain a single information of the loan balance.
Extended data
Conditions for lenders to apply for loans
1.18-a natural person aged 60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed).
2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.
3. The borrower's actual age plus the loan application period shall not exceed 70 years old.