There are several ways to check my loan records.
1, online banking query
Log in to personal online banking → click "Sub-branch function" → personal loan information query, query the repayment plan of the current year, query the historical repayment record and adjust my personal information;
2. Telephone banking inquiry
Call ICBC Telephone Banking 95588→ For individual customers, please press 1→ Enter the customer number or passbook number or → For personal loan information inquiry, please press 7→ Personal loan information inquiry.
3. 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.
4. Consult the bank loan auditor.
You can query the repayment plan, historical repayment record and personal information adjustment of the current year. Different banks have different regulations. You can call the customer service telephone of the handling bank for specific inquiry steps.
legal ground
People's Republic of China (PRC) Commercial Bank Law Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method.
Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.
After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
How to query ID card loan records?
If you want to check whether your ID card has a loan record, customers can adopt the following methods:
1. Log in to the Credit Information Center of official website-China People's Bank directly on the computer browser, and enter the Internet personal credit information service platform to inquire about personal credit information 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 whether there is a loan in your name?
For personal loans handled by China Merchants Bank, you can query the issued loans through self-service channels, including: repayment date, repayment method, remaining arrears, number of remaining installments, quota, start/expiration date of quota, loan status, etc. If you can't find a loan through the following channels, it means that you don't have a loan in our bank ~
1. Mobile Banking: Please check the repayment date of the loan, the amount to be repaid, the start date/expiration date of the line, the number of remaining periods, etc. In all my loan records. After entering the page, click on the loan, and you can query the repayment method, interest rate, loan status and other information.
Tips:
① If it is a provident fund loan, you need to contact the local loan handling bank or provident fund management center.
② If you can't find it through this interface, you can contact online customer service to try to understand the reason.
2. Premium Key Professional Edition: You can log in to the Professional Edition and click All-in-One Card-Loan Management-Personal Loan Inquiry to inquire about loan information.
Tips: At present, the Professional Edition doesn't support Mac system, so Apple computer can't log in to the Professional Edition.
3. Loan invitation App: If your loan from China Merchants Bank has been issued, please log in to the loan invitation APP, click Loan Management-Loan Record, and then click the applied loan to inquire about the loan details.
How to query ID card loan records?
There are three ways to inquire about ID card loan records, namely, inquiring about central bank credit records, making phone calls and inquiring about loan accounts.
The specific operation method is as follows
Method of checking credit information of central bank
1. The People's Bank of China has branches or sub-branches all over the country. You can go to the credit information department of the local central bank to check the ID card loan record.
2. You can log in to official website, the Central Bank, register and log in to your personal account, and submit an application for inquiring the loan record of your ID card. After 24 hours, the system will inform us of the query results by SMS, or we can go to the personal account of the central bank to query the results ourselves.
The specific steps of making a phone call
1. Learn about the customer service phone number of the lending institution through the mobile APP and official website;
2. Submit an application to the customer service staff and inquire about the ID card loan record;
3. If the application is approved. The customer service staff will inform us of the ID card loan record by phone or SMS.
Inquire about loan account
You can also query the ID card loan record by entering the loan account. Under normal circumstances, our personal account will record our loan times, term, application date, amount and repayment method in detail. Through this information, we can also know our loan records.
The simple and popular understanding of loan is to borrow money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.