Many banks can check the remaining amount of mortgage on their mobile phones, that is, download the mobile banking query.
But you need to open the functions of mobile banking and online banking at the counter. If you register automatically, you need to sign the contract at the counter.
Different banks operate mobile banking in different ways, such as:
1. Industrial and Commercial Bank of China: After logging in to mobile banking, users can select the function of "Favorites-Loans-My Loans" on the home page, find the mortgage, and click it to see the mortgage information they have handled, including mortgage lender, total loan amount, repayment date, remaining mortgage amount, loan term, etc. And find a specific mortgage repayment plan.
2. China Construction Bank: You also need to log in to the mobile banking for inquiry. The steps are mobile banking-loan-my loan. Enter your ID number and login password to log in. On my loan page, you can see the processed medium and long-term personal commodity housing loan information, including principal balance, loan amount, repayment times, current repayment amount, annual interest rate, etc.
3. Agricultural Bank: Log in to the Palm Bank APP and click "All → Loans → View Details" to select personal commodity housing loans. After clicking in, you can see the personal mortgage information, including when it was handled, how many years it was borrowed, how many installments have been repaid, and how many loan quotas have not been repaid.
4. Central Bank: After logging in to mobile banking, find the loan-my loan-personal housing loan on the home page, and click the loan details page to find the mortgage information, including historical repayment, overdue, total loan amount and remaining mortgage amount.
Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.
housing loans
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan
Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.
Self-operated loan
Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.
Consortium lending
Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc.
Loan amount: 80% of the value of the loanable property after being audited by the bank.
Mortgage down payment: 30% down payment for the first home mortgage loan and 50% down payment for the second home mortgage loan.
Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age must not exceed 70 years old.
Loan interest rate: the benchmark interest rate of the first home loan for more than five years is 6.55%, and the interest rate of the second home loan is 7.26% when the benchmark interest rate rises 1. 1 times.
way
There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.
How to inquire about housing loan?
How to inquire about mortgage inquiry
1. Telephone inquiry: No matter banks or other lending institutions, they can call their customer service number, and the institutions will have specialized personnel to provide consulting services. They only need to provide their own identity and loan information, and they will help to inquire and inform the loan approval or mortgage repayment progress.
2. official website Inquiry: Generally, banks or other lending institutions have their own official website. You can inquire about mortgage loans in official website. You can enter your own account, find the loan progress query in the function bar, and then click Query to know your mortgage situation.
3. Counter inquiry: Small partners who have enough time can also bring their ID cards and loan bank cards to the bank counter or other lending institution halls for help. This is also a very convenient method.
4. Contact the account manager: When applying for a loan, it is usually negotiated by the account manager, and the applicant can directly consult the account manager if he has any questions. So you can directly find the account manager who helped you with the loan and ask him to help you check, so that you can know your loan and mortgage situation quickly, which is simpler and easier.
5.APP query: Now many banks and some lending institutions have their own APPs, and there will also be a loan progress query column in the app. Click Query directly to check your mortgage through the app.
Mortgage treatment method
1. First, you should sign a house purchase contract or agreement with the developer.
2. Then go to the commercial bank to fill in the mortgage application form and submit the relevant mortgage materials and procedures. To apply for a housing provident fund loan, you need to submit an application to the local provident fund management center first, and then go to a commercial bank after the provident fund is approved.
The commercial bank will examine your application and materials.
4. After approval, we will confirm the loan term, interest rate and amount with you, and then sign the mortgage contract.
5. Then go to the local housing management center for mortgage notarization and other procedures. After the formalities are completed, commercial banks begin to lend money.
Do I need to check the approval amount six months in advance for the house purchase loan?
Bian Xiao is here to show you how to check the loan amount before buying a house. When lending online, the most commonly used query method is to apply for a loan from a bank. Next, Bian Xiao will introduce you to the method of checking the loan amount before buying a house. Generally speaking, there are three ways to query the mortgage amount, one is computer query, the other is bank counter query, and the results of different ways will be different. Telephone inquiry: The amount of mortgage inquired by Bank official website and e-commerce websites and the amount inquired by Bank official website are generally within 6 months after the mortgage is approved. If you want to check your mortgage amount, you should first check it through the bank official website.
How to check the monthly repayment amount of CCB loan when buying a house
Telephone inquiry: users should know which bank has approved the mortgage, call the bank's 24-hour service hotline, select the loan-mortgage according to the voice prompt, transfer the manual service, and inform the customer service to inquire about the mortgage repayment. The customer service will verify their identity with the information such as the ID number in the newspaper, tell them after confirmation, and send a text message if possible.
Enquiry of outlets: I usually need to personally bring my ID card and house purchase loan contract to the loan bank counter for enquiry. If it is inconvenient, you can entrust others to inquire, but you need to provide a power of attorney and the client's ID card. After the inquiry, I can also ask the staff to print out the details of mortgage repayment.
Extended data:
Precautions:
Generally speaking, individual housing portfolio loan refers to a part of the loan granted to the same borrower for the purchase of self-occupied ordinary housing based on housing provident fund deposits and credit funds, and it is also a combination of individual housing entrusted loans and self-operated loans. In addition, there are some housing savings loans and mortgage loans.
Lenders must choose the appropriate loan method, and only in this way can the repayment pressure be alleviated. At the same time, we should also pay attention to repayment on time every month, and don't delay it, otherwise it will affect the credit rating.