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.
How to check whether your bank card has a loan?
Four query methods are provided below:
First, print the credit report, and the current mainstream loans will be reflected in the credit report;
Second, use the big data query application to query. These products mainly include loans from institutions other than banks, and you can check the lending institutions included in the credit report;
Third, query the bank account, and indirectly sort out your own loan records by querying the transfer and collection records of the account;
Fourth, when waiting for the collection, let the other party show the loan voucher to determine whether it is their own loan. ：
The following is the specific loan process:
1, loan application stage. Customers need to apply to banks and other lending institutions and fill in some application materials.
2. The loan review stage. The borrower shall also review the application materials submitted by the borrower.
3. Sign a payment contract. After approval, both parties shall sign a loan contract and a guarantee contract as the case may be.
4. Payment for goods. Lending institutions issue loans according to the amount agreed in the contract.
5. The payment has been settled. Need to settle the loan, including normal settlement and early settlement, you can choose. With the rapid development of inclusive finance, the banking industry has also accelerated its transformation and development. It is more and more convenient to apply for a loan in the bank now. Ordinary people can apply for loans on the bank app, its directly affiliated bank or its credit card app. There are also many types of loans, which are suitable for all kinds of people, but the loan materials and loan requirements of the corresponding loan products are different.
1. If you have real estate, you can apply for a mortgage loan. The loan amount is related to the valuation of the mortgaged house. The interest rate is low, and the repayment method is mostly one-time repayment of principal and interest, so the repayment pressure is small;
2. If you have already bought insurance, you can apply for a policy loan product with a quota of about 200,000, and different banks have different pricing rates; 3. All kinds of provident fund loans and social security loan products need to fill in the social security information of provident fund. For civil servants, teachers, employees of Fortune 500 companies and other high-quality corporate customers, there will be a quota of 300,000, and the interest rate will be between 4.5 and 9. If the level of social security accumulation fund is slightly poor, you can also apply for a loan, but the pricing of customers is more differentiated and the way to apply for a loan is more convenient. The loan app directly clicks on the application, which is fast. Generally speaking, the banking industry is now in transition, and the small sinking customer market that was not paid much attention to before has become more important, with fierce competition and improved service level.
How to inquire about bank loans?
Hello, you can check the loan information through the following channels:
1. Zhang Yin: Please log in to Zhang Yin APP and click "All → Loan → View Details" to inquire.
2. Online Banking: Please log in to personal online banking, click "Loan → My Loan" and query through "My Loan" or "Historical Loan".
3. Customer service hotline: Please call the customer service hotline of ABC to inquire about personal loan information (provident fund loan inquiry is not supported at present).
4. Counter: Please ask the card owner to bring his valid ID card and the original repayment voucher account to the loan handling bank for verification.
(Answer time: August 2022 16. In case of business changes, please refer to the actual situation. )
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.
How to check whether the bank card has a loan?
You can check whether there is a loan under your name by checking your personal credit record. If you have a loan in your name, you can see it in your personal credit record, including the bank name, loan amount and loan term. There are two ways to inquire about personal credit records: (1) go to the credit information department of the local people's bank. , can be found on the personal credit information service platform of the Credit Information Center of the People's Bank of China. Credit records can be found in three aspects through the platform: personal credit information prompt, personal credit information summary and personal credit report.