Confidential information can only be inquired by banks.
Second, what app can I use for mortgage inquiry?
Many banks can check the remaining amount of mortgage on their mobile phones, that is, download the mobile banking inquiry, but they need to open the functions of mobile banking and online banking at the counter. If it is automatic registration, you need to sign the contract at the counter, and different banks have different ways to check the mortgage. Industrial and Commercial Bank of China: After logging in to mobile banking, users can select the "Favorites-Loans-My Loans" function on the home page to find the mortgage, and then click it to see the mortgage information, including the mortgage lender, total loan amount, repayment date, remaining mortgage amount, loan term, etc. And the specific mortgage repayment plan. China Construction Bank: You also need to log in to the mobile banking to inquire. The steps are mobile banking-loan-my loan. Enter the ID number and login password to log in. On my loan page, you can see the information of medium and long-term personal commodity housing loans, including principal balance, loan amount, repayment times, current repayment amount, annual interest rate and so on. Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of self-occupied ordinary housing. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest. The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank. Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing. Repayment method The method of repayment of loan principal and interest shall be agreed by the borrower and the borrower, and shall be specified in the loan contract. If the loan term is within 65,438+0 years (including 65,438+0 years), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid with the principal. If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid monthly in the form of equal principal repayment and equal principal and interest repayment. Matching principal and interest matching principal and interest repayment method means that the borrower repays the loan principal and interest with the same amount every month (commonly known as "monthly payment"), referred to as "matching method" for short. Repayment characteristics: equal principal and interest, that is, the sum of monthly repayment principal and interest is equal. This repayment method is easy to make a good repayment budget and reduce the initial repayment pressure, but interest accounts for most of the monthly repayment amount in the initial repayment. In the subsequent repayment, the proportion of principal gradually increased and the proportion of interest gradually decreased, thus achieving a relative balance. This repayment method is suitable for ordinary wage earners. Calculation method of equal principal and interest repayment method: equal principal and interest repayment amount (monthly repayment amount) = [loan principal× monthly interest rate× (1interest rate) repayment months ]=[( 1 interest rate) repayment months-1] average capital average capital repayment method means that the borrower repays the principal in equal amount every month, and the loan interest follows the principal month by month. Characteristics of repayment: the repayment of principal is the same as monthly repayment, and the interest is calculated on a daily basis according to the loan principal amount. The early repayment is large, and the monthly repayment is gradually reduced. The interest paid by this repayment method is low, but the pressure of prepayment is great. This repayment method is suitable for families with better economic income. Calculation formula of equal principal repayment: monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.
Third, what app can I use for mortgage inquiry?
Many banks can check the remaining amount of mortgage on their mobile phones, that is, download the mobile banking inquiry, but they need to open the functions of mobile banking and online banking at the counter. If it is automatic registration, you need to sign the contract at the counter, and different banks can use mobile banking to check the mortgage.
Industrial and Commercial Bank of China: After logging in to mobile banking, users can select "Favorites-Loans-My Mortgage" on the homepage, and click to see mortgage information, including mortgage lender, total loan amount, repayment date, remaining amount, specific mortgage repayment plan, etc.
China Construction Bank: You also need to log in to the mobile banking to inquire. The steps are mobile banking-loan-my loan record. On my loan page, you can see the medium and long-term personal commodity housing loan information, including principal balance, loan amount, repayment times, current repayment amount, annual interest rate and so on.
Personal housing loan is a loan issued by the borrower to buy self-occupied housing. If the borrower must provide the principal and interest of the loan, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall bear joint and several liability for repaying the principal and interest.
The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a purchase contract or agreement, have the ability to repay the principal and interest, pay 30% of the funds down, and have a loan guarantee approved by the bank.
Personal housing loans are limited to the purchase of ordinary housing for personal use, and urban housing may not be used to purchase luxury housing.
Repayment method
The way to repay the principal and interest of the loan shall be agreed by the borrower and the borrower. If the loan is within the year (including 1 year), it will be repaid with the principal. If the loan term is greater than 1 year, there are two repayment methods: monthly repayment and equal principal and interest repayment.
Average capital plus interest
Matching principal and interest repayment method means that the borrower repays the loan principal and interest with the same amount every month (commonly known as "monthly payment"), referred to as "matching method" for short.
Repayment characteristics: equal principal and interest, that is, the sum of monthly repayment principal and interest is equal. This repayment method is easy to make a good repayment budget and reduce the initial repayment pressure, but interest accounts for most of the monthly repayment amount in the initial repayment. In the subsequent repayment, the proportion of principal gradually increased and the proportion of interest gradually decreased, thus achieving a relative balance. This repayment method is suitable for ordinary wage earners.
Calculation method of equal principal and interest repayment:
= [loan principal × monthly interest rate ×(65438+ 10 monthly interest rate) repayment months ]=[(65438+ 10 monthly interest rate) repayment months-1]
Average capital
The average capital repayment method refers to the borrower's equal monthly repayment of the principal, and the loan interest decreases month by month with the principal, and the repayment amount also decreases month by month, so it is also called the diminishing method.
Characteristics of repayment: the repayment of principal is the same as monthly repayment, and the interest is calculated on a daily basis according to the loan principal amount. The early repayment is large, and the monthly repayment is gradually reduced. The interest paid by this repayment method is low, but the pressure of prepayment is great. This repayment method is suitable for families with better economic income.
Calculation of equal principal repayment
Monthly repayment amount = (loan principal/accumulated repayment principal) × monthly interest rate.
4. Can't ICBC find the mortgage online?
Yes,
Generally speaking, there are three ways to query:
The first type: the lender can personally go to the loan department of the loan bank outlet with his ID card.
One of the biggest benefits of this is that the lender can not only inquire about the loan balance, but also ask the bank to help print the repayment schedule within one year after the inquiry, so that you can clearly understand the loan situation within one year.
The second type: query through online banking.
Lenders can check the loan balance without leaving home after opening online banking. Lenders can usually operate through the path of "personal loan"-"my loan"-"loan inquiry". This method is the simplest. Through online banking, you can not only query the loan balance, but also query the repayment records and other information.
The third type: through the bank customer service telephone inquiry.
Lenders can also call the customer service phone of the loan bank to inquire, but this method can only obtain the single information of the loan balance, and can't know the monthly repayment situation before and after.
I hope I can help you!