I have seen a lot of news about my identity being lent by others, resulting in a bad personal credit record. I believe many friends will also think of inquiring about my personal loan records. So let me introduce you to the inquiry method of personal loan records.
Usually, there are several ways to query personal loan records:
1, Credit Information Center of China People's Bank.
If you don't have a loan record and are worried about being loaned by others, you can go to the Credit Information Center of the People's Bank of China to inquire about the Personal Credit Information Record Report, which will show the loan situation in your name on the national network. Of course, this report is lagging behind, about a month.
2, the loan bank counter query
If you know that you have a loan and want to check whether there is any problem with your loan record, you can bring your ID card and other related information to the loan bank counter for detailed inquiry.
3. Online banking inquiry
If you have already opened the online bank of the loan bank, you only need to log in to the online bank official website for loan inquiry.
4. Telephone enquiry
Just call the official phone number of the loan bank to inquire about the loan information. ?
How to query loan records?
Personal loan information can be queried in the following ways:
Inquire through the loan bank; Inquire through the central bank's credit information system; Inquire through the civil credit information system.
Inquire through the loan bank
You can go to the bank outlets that have applied for loans and ask the staff to help print the list of repayment records. In the daily account, you can see your repayment records for each period.
Inquire through the central bank's credit information system
You can go to the local central bank's credit information management center to inquire about personal loan records, or you can inquire about personal loan records through the central bank's credit information center official website.
The method of online inquiry is as follows:
Open the Baidu 12.23.5. 10 browser in the iPhone 4. 1 version.
1, enter the credit information center official website, and click to enter the Internet personal information service platform ";
2. Click "Start Now" in the platform and complete the registration after entering the page;
3. After logging into the account, you can apply for personal loan records.
Inquire through the personal credit information system
Personal credit information system also records personal loan information.
Supplementary information:
Personal loan, also known as retail loan business, has become an important loan business after decades of development.
Personal loan refers to the loan issued by the lender to the borrower for the purchase of owner-occupied housing and the repair and construction of owner-occupied housing (excluding export housing) by urban residents.
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.
Personal loans include personal housing loans, personal housing provident fund loans, personal car loans, personal study abroad loans, personal comprehensive consumption loans, personal production and operation loans, personal credit loans, personal certificates of deposit (government bonds) and so on. There are two repayment methods, equal principal and interest repayment and equal principal repayment.
Personal loans are principal loans provided by lenders (general commercial banks) to consumers or families for personal consumption, production and operation. And stipulate the loan interest, repay the principal and interest on schedule, and use it for buying self-occupied housing, consumption or small investment. Personal loans provided by banks are different. "
How to query personal loan records?
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 query personal loan records?
Hello, generally speaking, there are three ways to query personal loan records, namely, through loan banks, through central bank credit information system and through private credit information system. Bian Xiao introduced the specific query methods for everyone.
Inquire through the loan bank
You can go to the bank outlets that have applied for loans and ask the staff to print the list of repayment records for you. You can see your repayment records of each period in detail in the daily account.
Inquire through the central bank's credit information system
You can go to the local central bank's credit information management center to inquire about personal loan records, or you can inquire about personal loan records through the central bank's credit information center official website. The online query method is as follows:
1, recorded in the credit information center of official website, click to enter the "Internet Personal Information Service Platform";
2. Click "Start Now" in the platform and complete the registration after entering the page;
3. After logging into the account, you can apply for personal loan records.
Inquire through the personal credit information system
Now many private credit information systems also record everyone's personal loan information. Therefore, people can check their personal loan records through them. Commonly used folk credit information systems include koala credit information, Peng Yuanzheng credit information and Huadao credit information.
Generally speaking, it is more reliable to query personal loan records through the central bank's credit information system. However, according to the regulations, everyone can check their credit records for free through the central bank's credit information center twice a year. Finally, when choosing loan products, please try to choose loan products of big brands, with transparent interest and fees, and at the same time ensure the security of your information. "Qianhua" is the original Baidu financial credit service brand (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). Its positioning is to provide personal consumer credit services for the public and create an innovative consumer credit model. The application materials are simple, with the fastest approval in 30 seconds and the fastest loan in 3 minutes. It can be repaid in advance, and the loan can be recycled after repayment. I hope this answer is helpful to you. Click on the bottom of the phone to measure the amount immediately. The maximum loan amount is 200,000.
How to check whether an individual has a loan record?
You can go to the Credit Information Center of the People's Bank of official website and China to check whether there is a bank loan.
The specific operation steps are as follows:
1, Baidu webpage search "Credit Information Center", find the website of Credit Information Center of China People's Bank after the search, and then click Enter.
2. After entering, find the Internet personal credit service platform, and then click Enter.
3. After entering, find "Start Now" and click Enter.
4. After entering the login interface, enter the user name, password and verification code, and click Login.
5. After logging in successfully, enter the personal account page, check the credit report under the credit application column, and click to get the dynamic password.
6. Enter the mobile phone dynamic password and click Submit.
7. After receiving the identity verification code, enter the page of obtaining credit information, check the personal credit report, enter the identity verification code, and click Submit.
8. After submission, you can see your loan record on the credit report page.