There are several ways to check the loan:
1. I bring my original ID card and bank card to the counter of the business hall of the loan bank for enquiry.
2. Call the customer service phone of the loan bank, and check by phone after authentication.
Third, through the mobile banking inquiry of the loan bank, taking the Agricultural Bank as an example, the specific methods are as follows:
1. Open ABC mobile banking. After entering, find the item "Agricultural Bank of China Express E Loan" and click Enter.
2. After entering the e-loan of ABC, find the item "My Loan" and click Enter.
3. After entering my loan, you can check the loan balance.
Where can I check the loan bank?
Go to the local people's bank to check personal credit information, and you will know where the loan bank is.
Personal credit information is recorded in the personal credit report, which mainly includes personal basic information and credit information (whether there are bank loans and credit card overdue overdraft records, etc.). ) and non-bank information (water, electricity and other public utilities payment information, tax arrears, civil judgments, etc. ).
Matters needing attention in personal credit investigation:
Article 1: Credit cards and loans shall not be overdue.
If the credit card is not repaid three times in a row (or six times in two years), or the overdraft consumption or mortgage loan is not repaid on time, it will leave a record in the personal credit report, which will affect the mortgage application. If you use a credit card, be sure to pay back on time. It is really impossible to repay in full. You should choose to pay by installment or pay the minimum repayment amount.
Article 2: The mortgage or car loan shall not be overdue or unpaid.
If you have a mortgage or car loan before, remember to repay it on time, otherwise the dishonesty of the old loan will definitely affect your subsequent application for other loans.
Article 3: Always pay attention to the loan interest rate and avoid overdue interest.
If the loan interest rate increases, the interest will increase, but the "monthly payment" will still be paid according to the original amount, which will lead to overdue interest.
Article 4: Try to avoid credit card activation and non-use.
Nowadays, many people have multiple credit cards, or because friends from the bank help offset their performance, they have handled some credit cards that are not commonly used and become "zombie credit cards". Although these credit cards are not used, they will generate annual fees and negative credit records. But many people don't understand this before handling it, so you must be careful when handling credit cards.
Article 5: Carefully provide guarantees for third parties.
As for the guarantee for others, we should be more careful. Don't vouch for others easily In case the other party has no money, you need to pay this bill back. If you have no money, it will be a stain on your credit.
Article 6: Remember to pay the water and electricity fee on time.
Now these fees are paid online, so once they are overdue, they will also leave a bad record of personal credit information. Everyone should pay regularly according to their usual water, electricity and gas consumption, and it is best to ensure that the account has a balance.
Article 7: Scholarship loans must be repaid in time.
There are indeed some people who have completed their studies with student loans because of family difficulties. No matter what reason you can't repay the student loan on time, once you have the ability, please give priority to paying off the student loan. After all, you are legally and morally in arrears with your students.
Article 8: The arrears of mobile phones may also become overdue.
In the past, you could buy some similar "five-yuan cards" without real-name registration system's use. Even if you owe money, you can just throw it away if you don't need it in the future. It doesn't matter if you don't pay it back. But later, the business hall was standardized. Mobile phone numbers are registered in real names, and most of them can be linked to bank cards. In this way, even if the card is not used, remember to make up the arrears. Otherwise, the overdue monthly fee will still affect your personal credit.
Article 9: Beware of arrears or fraudulent use of other people's ID cards.
Try not to get involved in the economy that owes money, but also be vigilant and protect your personal information from being stolen by criminals.
How to inquire about bank loan information
There are two ways to reset the account number and password of the student loan system of China Development Bank: one is to log in with the ID card (area code ID number) and the password is the applicant's eighth birthday; The second is to call the local education bureau to apply for resetting the password. Log in to the system with your ID card. If the password has not been changed, it is the initial password, which is the date of birth. If you change it, go to the county rescue center and ask the staff to help you reset it, and the password will be restored to the original password. Or call the China Development Bank for telephone consultation.
How can I find out which banks have loans with my ID card?
1. First, open the "Industrial and Commercial Bank of China" APP software on your mobile phone and log in.
2. After logging in, click "Loan" on the homepage of the software to enter the loan function interface.
3. Then click "My Loan" to enter a new interface, as shown below.
On the loan page, you can find all your loan records in the bank.
If you want to inquire about the information of a specific loan, just click on the loan.
How to check the bank loan?
Go to China Bank to print a personal credit report, or log in to the mobile banking of the loan bank. There are two ways to query bank loans. Users can print personal credit reports twice a year for free, and the number of personal credit reports should not be too much. The mobile banking of the loan bank can clearly see the loan amount.
After the lender makes a loan, he can check the loan situation at the loan bank with his ID card. Lenders can download the mobile banking of the loan bank, click "My" in the mobile banking, and you will see the total assets. If the total assets are negative, it means that you have a loan in your name.
The balance of the bank card plus the negative assets is how many loans the lender has left. If the lender can't remember which bank he borrowed from, he can take his ID card to China Bank to print his personal credit report.
Don't wear makeup, hats, glasses, masks and other items when you go to China Bank to print the credit report. When printing a personal credit report, the lender needs face recognition. After the personal credit report is printed, you can see which bank you have outstanding loans.
Lenders can also log on to the online bank of the loan bank, and it is also very convenient to check the loan amount in the online bank. After searching for the loan bank in the search engine, log in and click "My Loan" to query.
How to check whether you have been loaned by the bank?
1, telephone inquiry. As the name implies, it is to call for advice. Call the loan bank and inquire about the loan information you need to know.
2. Network query. You can check my credit report on the personal credit service platform of the Credit Information Center of the People's Bank of China.
(1) First log in to the online bank of your own bank and find the trading area.
(2) Find an online loan in the trading area and click "My Loan".
(3) Click "Details" to view the details of your loan.
(4) Click "Details" to query your personal loan information by date.
(5) Finally, you can click "Repayment Plan" to query the repayment method and date by date.
3. Manual query. Although manual inquiry is troublesome, it is comprehensive. If you want to inquire about loan information, you can go to the loan bank counter and ask the bank staff to know all the information about personal loans.
Operating environment: iphone1115.0 national bank V7.2.0.
The details that should be paid attention to when making a loan mainly include the following points.
1. Whether the lending institution or platform is formal: Be sure to pay attention to whether the lending institution or platform has a financial license. If you encounter an informal lending institution or platform, you are likely to be cheated.
2. Whether the loan interest is normal: Some lending institutions and platforms may cheat on the interest, such as advertising low interest rates, and as a result, the approval interest rate is actually much higher, which is very common in small loans. There are also some online loan products that charge "beheading interest". Therefore, people must pay attention to whether the interest rate is at a normal level and whether it has reached a new standard when lending.
3. Are there any mandatory requirements? Some loans may have additional requirements, as well as various service fees and liquidated damages. Be sure to pay more attention to the loan so as not to be restricted in the future.
4. What are the details of the loan? When you apply for a loan from different lending institutions and platforms, the rigor of the review is different, and the information you need to provide may be different. Therefore, it is best to find out what information needs to be provided first, so as to avoid omission and affect the handling of loans.