How to check the remaining loan of mortgage on mobile phone

1. How to check the remaining mortgage on the mobile phone?

1. Industrial and Commercial Bank of China: After logging in to mobile banking, users can select "Favorites-Loan-My Loan" on the homepage to handle mortgage information, including the mortgagor, total loan amount, repayment date, remaining mortgage amount, loan term, etc. And you can find a specific house.

Operating environment: Apple 12 mobile phone, commercial bank version 6. 1. 1.0.0.

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.

Operating environment: Apple 12 mobile phone, ios 14 system, version 5.6.0 of China Construction Bank.

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 management, how many years of loans, how many installments have been paid, and how many loans have not been paid back.

Operating environment: Apple 12 manual version 6.7.0.

Interest rate policy:

The loan interest rate shall be subject to the relevant interest rate policies of the People's Bank of China and China Banking Regulatory Commission.

2065438+On August 25th, 2009, the People's Bank of China announced that the personal housing loan interest rate is the formation mechanism of the loan interest rate system LPR, and the pricing benchmark of personal housing loans should be changed from the benchmark loan interest rate to LPR to give full play to the market role.

At the same time, the personal housing loan interest rate is also an important part of the long-term management mechanism of the real estate market and the regional differentiated housing credit policy. In order to implement the positioning of "the house is for living, not for speculation" and the long-term management mechanism of the real estate market, ensure the smooth and orderly conversion of the pricing benchmark, keep the interest rate of individual housing loans basically stable, and safeguard the legitimate rights and interests of both borrowers and borrowers.

After the conversion of the pricing benchmark, the interest rate of the first set of individual housing loans newly issued nationwide shall not be lower than the LPR of 4.85% in the same period); The interest rate of two sets of personal housing loans shall not be lower than the LPR plus 60 basis points in the same period (calculated by LPR of 5.45% for five years or more on August 20).

The quoted interest rate in the loan market has two terms: 1 year and 5 years or more. Personal housing loan interest rate 1 year and more than 5 years have a direct corresponding benchmark. Individual housing loan interest rate benchmark 1 year and 1 year to 5 years can be independently selected by the lending bank between the two term varieties. After the reference benchmark is determined, the added value can be adjusted to reflect the term spread coefficient.

Pricing method:

On August 25th, 20 19, the People's Bank of China announced the adjustment of the interest rate policy for new commercial personal housing loans. From August 8, 20 19, the new commercial personal housing loan interest rate was formed by summing up the loan market quotation (LPR) of the last month as the pricing benchmark.

On August 25th, 2020, five state-owned banks, namely Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank, China Bank and Postal Savings Bank, announced at the same time that individual housing loans within the scope of batch conversion will be uniformly adjusted to LPR (loan market quotation) pricing method according to relevant rules. At the same time, it is clear in the announcement that after the batch conversion is completed, if there is any objection to the conversion result, it can be transferred back through relevant channels or negotiated with the loan handling bank before February 3, 2020.

According to the announcement issued by the People's Bank of China at the end of 20 19, the conversion of personal loan pricing benchmark with floating interest rate was officially started on March 1 2020, and in principle it was completed before August 3 1 2020.

The People's Bank of China has given existing mortgage customers two choices. One is to convert the interest rate pricing method agreed in the original contract into LPR pricing bonus item (the bonus item can be negative), and the bonus item will be fixed for the remaining term of the contract; The second is to convert it into a fixed interest rate. Moreover, the pricing benchmark can only be converted once, and it cannot be converted again after conversion.

Second, how to inquire about the remaining loan amount of Agricultural Bank?

Option 1: Go directly to the loan bank and ask in person. If you follow the normal procedure, you can ask the bank to provide a guarantee contract with you as the guarantor.

Option 2: Go to the local people's bank to inquire about the personal credit report. If the secured loan is successful, it will be shown in your personal credit report.

3. How to inquire about the loan amount of ABC?

Hello, there are several ways to check the loan balance of Agricultural Bank:

1. You can log in to the online banking of Agricultural Bank of China, select "Loan"-(there are many types of loans), and select the loan balance you need to query.

2. You can also call ABC customer service 95599 and turn to manual service to check the loan balance. I hope the answer can help you.

4. How does ABC Pocket Bank inquire about loan information? Better have a picture, thank you?

China Agricultural Bank's personal loan information inquiry path: Pocket Bank APP homepage "Agricultural Bank Express E Loan → My Loan".

1. Click "My Loan" to query the loan information, and display the signing date, contract quota, used quota and quota status.

2. click ">" to inquire about the loan contract number, loan principal, loan balance, loan date, loan maturity date and loan status.

3. Click "Loan ContractNo." to inquire about loan details, including: loan contract No.,loan type, normal interest rate, loan date, loan maturity date, loan amount, loan balance, overdue interest rate, repayment period and repayment method.

4. Click "Repayment Details" to query the repayment plan and repayment details.

Tips:

1. Self-registered customer inquiry is not supported at present.

2. If it is impossible to check the loan situation through the bank handling channel, it is recommended to contact the loan bank for verification.