Dear,
1/ Introduction of individual housing loan varieties.
2.
Conditions for applying for individual housing loans.
3.
Information to be provided when applying for individual housing loan.
4.
Procedures for handling individual housing loans.
How does the manual service desk of China Bank inquire about personal loan information?
If it is a commercial loan from China Bank, and telephone banking has been opened in the repayment account, you can call the customer service hotline of Bank of China at 95566 for manual service inquiry. After dialing 95566, you can tell the intelligent customer service your requirements: "Transfer to manual service" or choose 3- banking service, 0- manual service, 5- other personal and company business consultation to access manual customer service according to the key prompts.
The above contents are for your reference. Please refer to the actual business regulations.
How to inquire about the specific details of personal loans?
1. Telephone banking inquiry
Call ICBC Telephone Banking 95588→ For individual customers, please press 1→ Enter the customer number or passbook number or → For personal loan information inquiry, please press 7→ Personal loan information inquiry.
Second, the bank outlets query
I took my ID card to the Credit Management Office of the local people's bank to inquire and print personal credit reports.
Third, consult the bank loan auditor.
You can query the repayment plan, historical repayment record and personal information adjustment of the current year. Different banks have different regulations. You can call the customer service telephone of the handling bank for specific inquiry steps.
I. Definition of loan
Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest.
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.
Second, the principle of sex
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 according to the 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.
Third, loan interest.
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.