1. Check the loan contract directly. When handling a loan, you can check the loan contract signed by the lender. In general, the loan account number will be clearly marked on the first page of the loan contract. 2. Check with the lending bank. Lenders bring personal valid identity documents, loan contracts and other information to the staff of the loan bank consultation counter. (Operating environment: iPad2020 14.8. 1 Baidu 12.27.5. 10)
There are several ways to query the loan account number of provident fund loans: 1. Check the repayment agreement of provident fund. Lenders can check the loan contract signed when handling provident fund loans and clearly mark the loan account number.
2. Check at the counter. Bring your valid ID card to the counter window of the local provident fund management center for enquiry.
3. Online survey. Lenders can log on to the municipal provident fund management website, register or log on to the account number, and then they can inquire about the details of individual provident fund loans, and the account number shows the loan account number.
Personal online banking is suitable for customers. How to check registered customers at the personal online banking counter? First, log in to Bank official website-Online Banking-Personal Online Banking-Login Account-Select Loan Inquiry. .
Telephone banking is applicable to customers: registered accounts and self-registered accounts of individual registered customers and individual self-registered customers. How to inquire: Take the Agricultural Bank of China as an example, suppose you borrowed some money from the Agricultural Bank of China. The query steps are as follows: 1 query-loan query-loan information query. Query repayment details by date, and query next repayment information. Loan information inquiry 1. Loan information inquiry II. Loan information inquiry 3. Loan information inquiry: loan account number, IOU number, repaid installments, accumulated repayment principal, repayment interest, remaining installments and remaining principal.
Query repayment details by date (year, month, day and repayment amount). Check the next repayment (loan account number, loan receipt number, amount and date). Go to the bank counter for the loan. Applicable to: everyone. Inquiry method: Bring ID card and other relevant information directly to the bank counter for inquiry.
: mortgage loan processing 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.
After approval, we will determine 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 completing the formalities, commercial banks began to issue loans.
Where can I find the loan account number?
When you apply for a loan, you may receive a certificate. Usually there will be a loan account number on this certificate. If you don't have this certificate, you can call the borrowing bank. The personal information service platform of the People's Bank of China provides personal credit reporting service, and you can log in to inquire all loan records.
The loan account number refers to the loan that the user is currently handling. It is the only designated code automatically generated by the banking system after the lender handles the loan in the bank. It is a set of serial numbers automatically generated by the system when the bank lends money, and it is the information index serial number of the loan. If the user repays the loan and applies again, another loan account number will be generated, which can be the same or different. The account number of the lender is the deposit account opened by the borrower in the bank, because the loan is issued by transfer. Different banks inquire about loan account numbers in different ways. The following are the ways for China Construction Bank, China Industrial and Commercial Bank, China Agricultural Bank, China Bank and China Bank of Communications to inquire about loan account numbers:
I. China Construction Bank:
1. Log in to CCB Personal Mobile Banking and click Loan-My Loan-Personal Housing Loan/Personal Re-transaction Housing Loan-Details to view the loan account number;
2. Use the STM (Intelligent Teller Machine) equipment of each CCB outlet, click Personal Business-Loan, insert the original ID card of the borrower, and check the loan account number after verifying the ID card.
Two. Industrial and Commercial Bank of China:
Users need to check the personal loan voucher, which includes the loan account number.
Three. Agricultural Bank of China:
Users need to check the personal loan voucher of China Agricultural Bank, and the voucher number in the personal loan voucher is the loan account number.
4. Bank of China:
Users query personal loan vouchers, and the loan account number in personal loan vouchers is the user's loan account number.
Verb (abbreviation of verb) China Bank of Communications:
Users need to query the personal loan contract of Bank of Communications, and the loan contract number in the personal loan contract is the user's loan account number.
With the provident fund loan, is the loan account number my provident fund account number?
If there is a provident fund loan, the loan account number is not the party's provident fund account number.
The housing provident fund account number is the individual housing provident fund number set up for the employees of the unit under the unit housing provident fund account when the unit handles the registration and account opening of the provident fund deposit, also known as the individual housing provident fund account number; The number displayed on the initial inquiry card of housing provident fund is the personal housing provident fund account number; Housing provident fund inquiry card will not be reissued in the future.
Inquiry process of provident fund loan account number:
1, open the browser to search the national government service platform;
2. Later, in the search results, find the national government service platform applet, and then click the provident fund to enter;
3. After that, according to the object to be queried, you can select the provident fund loan query in the second line;
4. According to the prompt, you can inquire after authorizing personal information in the interface that appears.
"Regulations on the Administration of Housing Provident Fund" Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.
Eleventh housing provident fund management center shall perform the following duties:
(a) the preparation and implementation of housing provident fund collection and use plan;
(two) responsible for recording the deposit, withdrawal and use of employee housing provident fund;
(three) responsible for the accounting of housing provident fund;
(four) to approve the extraction and use of housing provident fund;
(five) responsible for the preservation and return of housing provident fund;
(six) the preparation of housing provident fund collection and use plan implementation report;
(seven) to undertake other matters decided by the housing provident fund management committee.
Twelfth housing provident fund management committee shall, in accordance with the relevant provisions of the People's Bank of China, designate a commercial bank entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted bank); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts.
The housing provident fund management center shall sign an entrustment contract with the entrusted bank.
Is the mobile phone provident fund loan account number the same as the paper provident fund loan contract number?
The mobile phone provident fund loan account number is different from the paper provident fund loan contract number.
1. The contract number means that the relevant users will need to sign a loan contract when they apply for provident fund loans in the bank or the local provident fund hall. In order to facilitate management, such contracts will have corresponding contract numbers.
2. The repayment account number of provident fund loans refers to the personal bank account number issued by the relevant users to the bank when applying for provident fund loans, so as to facilitate future repayment.
Does the housing provident fund loan account need to be opened in a bank?
Just go directly to the bank loan that cooperates with the provident fund. The loan account number is automatically generated by the provident fund, but you must have a bank card to repay the provident fund loan.
Process of applying for provident fund loan:
First, communicate with developers and explain the provident fund for loans (some developers don't do provident fund, and lending is too slow)
2. After signing the sales contract, when signing the mortgage information at the bank at the appointed time, you need to provide the following information:
1. Original ID card (spouse ID card is required if married);
2. Original account books;
3. Marriage certificate (or unmarried certificate);
4, proof of income (monthly payment of more than 2.5 times);
5. Copy of contribution passbook;
6. Provident fund card (deposit account with provident fund is also acceptable);
7. The passbook has a running account for more than 6 months (mainly depending on the entry and exit of your usual funds, which requires a lot of money);
Three. After the loan agreement letter comes out, it will be handed over to the Housing Authority at the time agreed with the owner.
Fourth, get the tax bill-pay the tax-after paying the tax-and then receive the receipt (if you make a mortgage, the bank will send employees to get it because there is a charge).
5. Filing-issuing a new real estate license-sending it to the bank for mortgage-mortgage-lending.
Extended data:
The real estate developer signs a cooperation agreement on commercial housing mortgage loan with the management center and the entrusted bank, and the real estate developer provides the borrower with a phased guarantee and deposits a deposit according to a certain proportion of the total loan. After completing the property right certificate and mortgage registration, the guarantee responsibility is terminated and the purchased house is converted into mortgage guarantee.
The borrower applies for a loan from the management center. After approval, the entrusted bank signs a loan contract with the borrower and goes through the formalities of using the loan.
The loan amount of the provident fund is regulated according to levels, with the highest loan of 800,000 for Grade A, 920,000 for Grade AA and 0/0.04 million for Grade AAA. The longest loan period of the provident fund is 30 years, which is subject to the age of the husband and wife, and the age plus loan period cannot exceed 70, which is also related to the age of the building. The building age plus loan period of brick-concrete structure cannot exceed 47, and the building age plus loan period of steel-concrete structure cannot exceed 57.