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 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 do I check if I have a loan record?
If you want to check whether your ID card has a loan record, customers can take the following methods: 1. Log in directly to official website, the Credit Information Center of China People's Bank, on the computer browser, and enter the Internet personal credit information service platform to inquire about personal credit reports; Or bring your personal ID card to the business hall of the branch of the local people's bank to find a staff member to inquire; You can also call the customer service of the People's Bank of China. We should know that when consumer financial institutions apply for loans, if the platform has access to the central bank's credit information, it will inevitably leave relevant records in the credit information. 2. You can query third-party data platforms, such as people's credit reporting. After all, many small loan platforms with low application thresholds are not connected to the central bank's credit information, which is the first choice for criminals to defraud loans. Therefore, even if they borrow money, they will not leave a record in the credit report, and most of the relevant loan records are left in big data. 3. See if you have received a short message from a lending institution/platform without a registered account in your mobile phone. If there is a dunning message, it is likely that someone else has stolen the ID card.
How to check loan records online?
Log in to online banking, and you can query the loan records in the bank card.
Take ICBC as an example:
Online inquiry:
Log in to personal online banking → click "Branch Function" → personal loan information query (query repayment plan of the current year, query historical repayment records and adjust my personal information);
At the same time, you can also use the following methods to query loan records:
Telephone banking enquiry:
Call ICBC Telephone Banking. According to the prompt: for individual customers, please press 1→ enter the customer number or passbook number or → for personal loan information inquiry, please press 7→ for personal loan information inquiry.
Bank outlets query:
I took my ID card to the Credit Management Office of the local people's bank to inquire and print personal credit reports.
Consulting bank loan auditors can find the repayment plan, historical repayment record and personal information adjustment of the year. Different banks have different regulations. You can call the customer service telephone of the handling bank for specific inquiry steps.
The consequences of loans overdue are as follows:
If loans overdue fails to pay back, the borrower will leave a bad record in the credit information system, which is an indelible stain and will affect the handling of credit business of various financial institutions.
After repeated collection, the bank confirms that the borrower is unable to repay the principal and interest of the mortgage loan at maturity, and the lending bank has the right to dispose of the mortgaged real estate to recover the principal and interest.
When the collateral is disposed of, if the amount sold cannot repay the loan principal and interest owed by the borrower, the bank will recover from the guarantor. However, this rarely happens, because banks control the mortgage interest rate of loans in order to protect their interests, and it is rare that the amount sold cannot repay the loans.
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 refer to local and foreign currency loans provided by lenders (general commercial banks) to consumers or families for personal consumption, production and operation. , and agreed to loan interest, agreed to repay the principal and interest on schedule, for the purchase of owner-occupied housing, consumption or small investment business. Personal loans provided by banks are different. "
How to query personal loan records
Two query methods can query personal loan records.
1, central bank credit report. You need to bring your ID card to the local central bank's outlets to inquire. The credit report will show the user's lending platform, loan amount, loan term, negative information and other data content in the past five years.
2. Query the online loan database. Open the WeChat homepage and search: Feiyu will check it quickly.
Click Query, enter information and find your own credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can find their own big data and credit status, obtain various indicators, and find their own personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue amount, credit card and online loan credit estimated amount and other important data information.
Operating environment: Apple, Android, and the latest version of China People's Bank APP are available.
Inquiring about the central bank's credit information requires me to bring my ID card to the local central bank outlets for self-inquiry.
However, it only needs a mobile phone to query the credit information of hundreds of banks. As a private credit reporting agency of the central bank, hundreds of banks have complete credit reporting data and are widely used, ranging from car loans, credit cards and other financial services.
When there is a problem with the user's 100 line credit score, the above services cannot be used. The credit scoring standard of 100 banks is 0- 100. The higher the score, the better the credit. Scores below 40 points are blacklisted.
Therefore, to apply for online loans for a long time, you should check the credit information of your 100 banks in time to prevent credit damage caused by blind application for online loans.
Just open WeChat search: 79 data. Click "Query" and enter information to query your own 100-bank credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can query their big data and credit status, obtain various indicators, and query their personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue amount, credit card and online loan credit estimated amount and other important data information.
At present, the country is building an all-round "credit network" without dead ends, connecting the society and enjoying information, whether it is a credit report or a personal credit record, it is an important link. Protect your credit. Credit is the greatest asset and wealth for everyone.