If you don't have a loan record and are worried about being loaned by others, you can go to the Credit Information Center of the People's Bank of China to inquire about the Personal Credit Information Record Report, which will show the loan situation in your name on the national network. Of course, this report is lagging behind, about a month.
2, the loan bank counter query
If you know that you have a loan and want to check whether there is any problem with your loan record, you can bring your ID card and other related information to the loan bank counter for detailed inquiry.
3. Online banking inquiry
If you have already opened the online bank of the loan bank, you only need to log in to the online bank official website for loan inquiry.
4. Telephone enquiry
Just call the official phone number of the loan bank to inquire about the loan information.
Extended data
The simple and popular understanding of loan is to borrow money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
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.
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 within a 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.
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.
Refer to Baidu Encyclopedia-Loan