One of the biggest benefits of this is that the lender can not only inquire about the loan balance, but also ask the bank to help print the repayment schedule within one year after the inquiry, so that you can clearly understand the loan situation within one year.
The second type: query through online banking.
Lenders can check the loan balance without leaving home after opening online banking. Lenders can usually operate through the path of "personal loan"-"my loan"-"loan inquiry". This method is the simplest. Through online banking, you can not only query the loan balance, but also query the repayment records and other information.
The third type: through the bank customer service telephone inquiry.
What is the process of buying a house loan?
1. Submit a mortgage application.
If the buyer is buying a new house, there are cooperative banks in the sales offices of most new houses. After signing the contract, the buyer can apply for a loan directly from the bank of the real estate contract, which can be regarded as saving the step of finding a bank. Therefore, after determining the housing, consult the relevant banks, learn about the relevant provisions of mortgage loans from the banks, prepare the documents required by the banks, fill out the mortgage loan application form and submit it to the banks for review.
2. Wait for the bank's audit results.
Waiting for the bank's audit results is enough for buyers. Generally, after the buyer submits the application, the bank will review the credit status and repayment ability of the buyer. If the audit fails, the bank will refuse to issue loans, and the buyers will have to find another way. It is likely that most people can't find the source of funds and eventually have to give up buying a house.
3. Sign a loan contract.
After approval, buyers need to sign a loan contract with the bank. When signing a loan contract, they need to pay various fees, handle mortgage and insurance. This step is time-consuming and the bank needs to review it. How long will it take? Every place and bank are different. Then the buyers need to wait for the notice to go to the bank for a face-to-face interview and wait for the bank to verify the materials. After verification, the bank will inform the buyers to take the materials to the Housing Authority for mortgage.
4. Waiting for a bank loan.
After completing the above procedures, buyers can wait patiently for bank loans. Waiting for the house payment is also a long process, and you may have to go to the bank to apply for a loan. After the bank lends money, remember to ask the bank for a loan contract and an iou that belongs to you. There are also two copies of the real estate license, remember to stamp the official seal of the bank, because some organs and departments need to do things.