2. Bank official website Inquiry: Log in to the online bank of the bank where you handle the housing loan, then find the loan information inquiry in the function bar, then click Enter, and enter relevant information as prompted to view your housing loan information.
3. Enquiry at the bank counter: Bring your valid ID card to the bank outlet where you apply for a house loan and ask the staff for help.
4. Mobile banking inquiry: log in to the mobile banking of the bank applying for housing loan, find the loan information inquiry column, and click Enter according to the prompt to inquire.
What are the forms of housing loans?
1, housing provident fund loan
For residents who have participated in the housing provident fund deposit, low-interest loans for housing provident fund should be preferred when buying a house with loans. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the bank deposit interest rate.
2. Personal housing commercial loans
3. Individual housing portfolio loans
The housing provident fund loan that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank.