1. Individuals carrying personal identity documents can inquire at the Credit Information Center of the People's Bank of China or directly at the personal credit information service platform of the bank;
2. Inquire at the bank or loan company that has handled the loan business;
3. Inquire about car loan records in personal online banking;
4. Make online inquiry through the service telephone of the lending institution.
The above are four ways to query car loan records.
Introduction to automobile loan
Automobile loan, also known as automobile consumption loan, refers to the amount that the borrower borrows from the lender because of the need to buy a car. Generally speaking, automobile consumption loan is a new loan method that banks provide loans to car buyers at their associated car dealers. Among them, the loan period of new cars is usually within five years, the loan period of used cars including extended loans is limited to three years, and the loan period of car dealers is within one year. At the same time, the borrower of car loan also has corresponding requirements. Specifically, the borrower must be a permanent resident of the place where the loan bank is located, and the individual has full capacity for civil conduct.
How to inquire about auto loans?
If you know the information, you can query it in the following three ways:
1. Network query. Lenders can apply for checking the loan balance at the counter of the business outlets of nearby loan banks with their ID cards; You can also ask the bank staff to help print the repayment schedule within one year after the inquiry.
2. Online banking inquiry.
First, the lender can find "my loan" in the "personal loan" of online banking after opening online banking.
Second, you can query all the loan records by entering personal information in it.
3. Customer service telephone inquiry. Lenders can also call the customer service phone of the loan bank for inquiry. But this method can only obtain a single information of the loan balance.
Extended data
Conditions for lenders to apply for loans
1.18-a natural person aged 60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed).
2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.
3. The borrower's actual age plus the loan application period shall not exceed 70 years old.