Query method:
1. Bring the lender's ID card and check it in person at the loan bank outlet. This method can not only find out the loan balance, but also ask the bank to help print the repayment schedule within one year after the inquiry.
3. Telephone inquiry: You can inquire about the remaining repayment amount of the lender through the bank customer service telephone, but this way you can only know how much money has not been paid back, and you can't know the monthly repayment situation.
4. Consult the bank loan auditor: you can inquire about 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.
Extended data
The state's special policy on mortgage loan;
1, the house is empty, and the monthly payment continues.
If the house is unoccupied, according to the Contract Law and other laws and the mortgage loan contract signed by the borrower and the loan bank, the borrower is still obliged to pay off the outstanding loan principal and interest.
In other words, if the house falls down, the monthly payment of the house will continue to be paid. Loans are the relationship between banks and borrowers, and houses are collateral and supplements. Therefore, the loss of the house cannot be used as a reason to stop the monthly payment.
If the relevant property insurance has not been purchased before, the house is damaged and no insurance has been purchased, the owner of the house can only bear the losses caused by the damage to the house. However, from the perspective of government assistance, the government usually gives certain compensation to the affected people, so that they can properly resettle and rebuild their homes.
2, the house is gone, and the house has become an inheritance.
In this case, if a person dies and the property is still there, according to the relevant provisions of the inheritance law, the property will be incorporated into the person's estate. First, the heir will use this person's legacy to pay off this person's pre-life debts (including mortgage loans and other debts, of course).
However, the repayment of debts is limited to the actual value of the person's estate, and there is no legal basis for "father's debt to son". Of course, the law does not prohibit heirs from voluntarily repaying debts that exceed the actual value of the estate.