Specifically, you can consult the bank's manual customer service to apply for bank loan business: 1,1natural person aged 8 to 65; 2. The borrower's actual age plus the loan application period shall not exceed 70 years old; 3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule; 4. Good credit information, no bad records, and legal use of the loan; 5. Meet other conditions stipulated by the bank. If you meet the above conditions, you can apply for a loan business at a local bank. To apply for a bank loan, you need to prepare materials: 1, valid identity documents; 2. Proof of permanent residence or valid residence, and proof of fixed residence; 3. Proof of marital status; 4. Bank flow; 5. Proof of income or personal assets; 6. Credit report; 7. Loan use plan or statement; 8. Other information required by the bank.
Second, how to query the loan information
Question 1: How to inquire about personal loan information! It is not good to go to the bank. I can't check everyone at any time unless the relationship is very strong, but this bank needs to be kept secret. I suggest you don't look around.
Question 2: How to inquire about personal loan information? I. Personal Internet Banking
Applicable people: registered customers at the counter of personal online banking
Inquiry method: first log in to the bank official website-e-banking, personal online banking-log in to your own account-select loan inquiry.
Second, call the loan bank.
Applicable people: registered accounts and self-registered accounts of individual registered customers and individual self-registered customers.
Inquiry method: Take the Agricultural Bank of China as an example, and the inquiry steps are as follows: 1 Inquiry -3 Loan Inquiry-1 Loan Information Inquiry /2 Query repayment details by date /3 Query repayment due in the next period.
Information that can be queried:
1. Loan information query: loan account number, IOU number, repaid period, accumulated repaid principal, repaid interest, remaining periods and remaining principal.
2. Query the repayment details by date (year, month and day, repayment amount).
3. Inquire about the next repayment (loan account number, loan receipt number, amount and date).
Third, go to the bank counter for loans.
Applicable people: everyone
Inquiry method: directly bring ID card and other relevant information to the bank counter for inquiry.
Fourth, query personal credit records.
Applicable people: everyone
Inquiry method: you can directly log in to the personal credit information system online for inquiry, or you can directly hold ID cards and other related materials to the credit information center for inquiry.
Finally, I would like to remind you that the personal credit record will only show whether you have borrowed money, whether it is overdue and so on. , the specific detailed information is not known yet. It is recommended to inquire through telephone banking.
Question 3: How to inquire about personal loan information and personal credit records;
1, online query:
1. 1 can be queried online (personal credit information service platform of China People's Bank Credit Information Center
Ipcrs.pbccrc/) Check my credit report;
1.2 After the user registration application is verified, the platform sends the activation code according to the SMS when the user registers. Users need to log on to the platform as soon as possible (no later than 7 days) and activate users with activation codes before they can use the various inquiry services of the platform;
1.3 Free of charge: As Internet inquiry is still in the pilot stage, it will not be charged for the time being, and it will not be charged until it is promoted to the whole country, and it will not occupy two free "places".
2. On-site inquiry:
2. 1 Inquiry process: Individuals bring their original valid ID card and 1 copy, fill in the Inquiry Application Form for Personal Credit Report at the inquiry outlets, and submit the inquiry application. For individuals who make inquiries for more than 3 times in that year, the staff will inform them that they need to pay the inquiry service fee, and the individual will decide whether to pay the inquiry voluntarily. The fee is paid in cash at first, and will be gradually increased as needed in the future.
2.2 charging standard: 20 14 on may 28th, the central bank announced that from June 3rd, the credit information center of the people's bank of China began to charge individuals for inquiring about credit reports. Specifically, if an individual inquires more than twice a year, the service fee will be charged in 25 yuan every time, and it will be free twice a year ago. The number of personal inquiries in 20 14 years starts from June 3rd, 20 14, and the number of annual inquiries after 20 15 years starts from June 1 day of that year.
Related supplements:
1. Personal credit report is an individual's economic identity card.
2. Personal credit information is recorded in the personal credit report, mainly including: personal basic information, credit information (whether there are bank loans, overdue records, credit card overdraft records, etc. ), as well as non-bank information (water, electricity and other public utilities payment information, tax arrears, civil judgments, etc. ).
3. The personal credit information recorded in the personal credit report will affect the individual's lending behavior in financial institutions. For example, when a bank handles a personal mortgage, it needs to read a credit report. If the credit status is good, they may get preferential treatment, while those with overdue records may have to raise prices or even get loans.
Question 4: How to query the loan records online and log in to online banking? You can query the subsidiary ledger of the loan card, including the loan records in the bank card.
Question 5: How to inquire about your own loan? Personal credit report can be inquired in the following four ways: counter inquiry, self-service inquiry, online banking inquiry of commercial banks and internet inquiry.
1, counter inquiry
Need to bring: the original and photocopy of my valid identity certificate; Personal credit report inquiry application form.
Counter inquiry is limited to my own inquiry. Valid documents include: ID card, military officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province compatriots' pass to and from the mainland, and foreigner's residence permit.
2. Self-service inquiry
Self-service inquiry requires a second-generation ID card.
The self-service inquiry of personal credit report business is limited to myself, and each version can only be inquired once a day.
The self-service inquiry machine can only recognize the second-generation ID card. You can use other valid identity documents to check at the counter.
3. Online banking inquiry of commercial banks
If you hold the U shield of Bank of Beijing online banking, you can log in to Bank of Beijing online banking to apply for a personal credit report.
4. Internet inquiry
Log in to the personal credit report inquiry website ipcrs.pbccrc, and after the registration activation is successful, you can inquire about the credit report.
Question 6: The easiest way to inquire about enterprise loan information is to find one of his cooperative banks, which can be easily found through the bank credit information system (loan card information).
Question 7: How to inquire about personal loan records? Can't find it on the website. 1. When handling personal loans or applying for credit cards in commercial banks, auditors can make inquiries through the personal credit information system.
2. If you need to inquire, you need to take your ID card to the Credit Information Management Office of the local people's bank to inquire and print your personal credit report.
Question 8: How to inquire about the loan information, and how to know whether your identity information has been fraudulently used by others? Any form of loan requires my signature. If there is an impostor, you can take my ID card to the Credit Information Center of the People's Bank of China to get your personal information, and you can know it for 5 yuan.
Question 9: How to inquire about the mortgage information of personal online banking 1?
Applicable customers: personal online banking counter registered customers.
How to inquire: First, you should log in to the bank official website-e-banking, personal online banking-login account-and select loan to inquire. That's enough, isn't it simple?
Second, telephone banking.
Applicable customers: registered accounts and self-registered accounts of individual registered customers and individual self-registered customers.
How to inquire: Take Agricultural Bank of China as an example. Suppose you borrow some money from the Agricultural Bank of China. Then, the query steps are as follows: 1 query -3 loan query-1 loan information query /2 query repayment details by date /3 query repayment due in the next period.
No.3 go to the bank counter where the loan is handled to make an inquiry.
Applicable customers: everyone
How to inquire: Go directly to the bank counter with ID card and other relevant information.
Fourth, query personal credit records.
Applicable customers: everyone
How to inquire: You can directly log in to the personal credit information system online, or you can directly inquire at the credit information center with your ID card and other related information. It is worth noting that the personal credit record will only show whether you have borrowed money, whether it is overdue and so on. , the specific detailed information is not known yet. It is recommended to inquire through telephone banking.
Question 10: The easiest way to know how many personal loans ICBC still has is to call the customer service hotline of the work bank at 95588, and then transfer to manual service according to the prompt, so that the manual can help you inquire.
3. How does Bank of Beijing inquire about loans?
First: Conditions for applying for loan business:
1,18-a natural person aged 65;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
4. Good credit information and no bad records;
5. Other conditions stipulated by the bank.
Second: loan process
1, loan application. Borrowers apply for loans from local banks. In addition to applying for rural loans, other types of loans should also provide relevant information.
2. Credit rating evaluation. The bank evaluates the borrower's credit rating.
3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers.
4. Loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.
5. sign a contract. The bank signs a loan contract with the borrower.
6. Loan issuance. The bank issues loans on schedule according to the loan contract.
7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation.
8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.
Third: you can find a guarantee company to entrust loans.
4. What will happen if Beijing E-Loan cannot upload the consumption voucher?
There is a problem with not uploading the coupons.
Gold e-loan allows customers to upload consumption vouchers in order to monitor the use of customers' funds. Customers should upload consumption vouchers according to regulations. Once the coupon is not uploaded, the borrower will ask the applicant to repay the remaining outstanding loan amount in one lump sum, and will also recover the loan amount and ask the borrower to pay liquidated damages, which may even make it impossible to apply for a loan again next time.