How to inquire about your own housing loan information

First, check the repayment method of mortgage. First, check the outlets. 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.

Second, check the mortgage repayment. Second, use the repayment calculator. With the repayment calculator, you can input the loan amount, loan term, loan time and repayment time according to the actual situation of your loan, and 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.

1. What do you mean by mortgage?

Mortgage, that is, house mortgage loan, refers to the way that the post-mortgage to buy a house people repay the bank on time every month, get the loan with the real estate as collateral, repay the principal and interest in installments according to the contract, and the bank will return the collateral after the loan is fully paid off. At this point, the collateral is completely owned by the buyer.

Second, how to apply for a mortgage

First of all, buyers fill in the mortgage application form with relevant documents, such as house sales contract, ID card, income certificate, etc. After the loan bank has passed the examination and approval, according to the mortgage loan contract provided by the buyers, the bank will conduct examination and approval and notarization. After the examination and approval, the loan funds will be directly transferred to the bank account within the contract period.

3. What about mortgage expectations?

1. The most important measure for overdue mortgage is to repay the loan immediately, and you can communicate with the bank staff by telephone.

2. If you can't repay the loan on time, you should immediately apply to the bank to extend the loan term.

The bank will decide the extension time according to your loan term. The extension time of short-term loans cannot exceed the original loan term, the extension time of medium-term loans cannot exceed half of the original loan term, and the extension time of long-term loans cannot exceed three years.

4. If the mortgage is overdue, whether it is a commercial loan or a provident fund loan, the lending bank will see the overdue information for the first time.

Even if it is overdue by one day, some strict banks will enter overdue information into the central bank's credit information system, which will have overdue records, and it will be very troublesome to apply for credit cards or loans in the future. Even if the loan can be approved, the loan amount will be much lower.