How to check whether the mobile phone loan has been paid off?

How to check repayment and loan records in mobile banking

How to check the repayment balance and repayment records of loans:

1. To check the loans of Bank of China For balance and repayment records, you need to download Bank of China's mobile banking. After downloading, click Bank of China Mobile Banking on your phone.

2. After entering the homepage of mobile banking, select "More" above and click to enter.

3. After entering more, select the loan module and click "My Loan".

4. If you are not logged in at this time, you need to log in first and enter your account and password correctly.

5. After logging in successfully, you can see your loan records.

6. After clicking to enter, you can see the specific situation of the loan, such as loan amount, repayment record, remaining principal repayable, etc.

I bought a mobile phone on installment plan, how do I check how much is outstanding?

It depends on the channel through which you purchased it. Pay by installment or bank card.

1. Log in to the bank’s official website and check in the bank’s official website center.

2. Call the bank customer service to check the status of outstanding repayment.

3. If you buy a mobile phone online, you can check my order. It says how many installments have been repaid and how many installments are still to be repaid.

Instalment payments are mostly used in some product transactions with long production cycles and high costs. The method is that after the import and export contract is signed, the importer first pays a small part of the payment as a deposit to the exporter, and the rest is largely paid. Part of the payment will be paid in installments after part or all of the product is produced and shipped, or when the goods arrive for installation, commissioning, investment and the expiration of the quality guarantee period.

How to check loan repayment balance using mobile phone

Operating environment, Huawei p40 latest version banking software app

1. To check the loan balance and repayment of Bank of China For payment records, you need to download the mobile banking of Bank of China. After downloading,...

2. After entering the homepage of mobile banking, select "More" above and click to enter.

3. After entering more, select the loan module and click "My Loan".

4. If you are not logged in at this time, you need to log in first and enter the account password correctly

5. After clicking to enter, you can see the specific situation of the loan, such as Loan amount, repayment record, remaining principal repayable, etc.

6. You can also go to the corresponding bank with your personal ID to inquire.

Loan: Loan (electronic IOU credit loan [5]) is simply understood as borrowing money that requires interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "Three Characteristics Principle" refers to safety, liquidity, and efficiency. This is the fundamental principle of commercial bank loan operations. Article 4 of the "Commercial Bank Law of the People's Republic of China" stipulates: "Commercial banks take safety, liquidity, and efficiency as their operating principles, implement independent operations, bear their own risks, be responsible for their own profits and losses, and self-discipline."

1. Loan safety is the primary issue faced by commercial banks;

2. Liquidity refers to the ability to recover loans within a predetermined period or to liquidate them quickly without loss, satisfying customers The need to withdraw deposits at any time;

3. Efficiency is the basis for the bank's continued operations.

For example, if a long-term loan has a higher interest rate than a short-term loan, the efficiency will be good. However, if the loan period is longer, the risk will increase, the safety will be reduced, and the liquidity will become weaker. Therefore, there must be harmony between the "three natures" so that there will be no problems with loans.

The occurrence of loan risks often begins during the loan review stage. From comprehensive judicial practice, it can be seen that the risks that arise during the loan review stage mainly occur in the following links.

(1) Omissions in the review content may cause credit risks to bank loan reviewers.

Loan review is a meticulous work that requires investigators to conduct systematic inspection and investigation on the qualifications, qualifications, credit, and property status of the loan subject.

(2) In practice, some commercial banks do not conduct due diligence, and the relevant loan review personnel often only focus on the identification of documents and lack due diligence. In this way, it is difficult to identify fraud in loans. It is easy to create credit risks.

(3) Many erroneous judgments are caused by banks not seeking expert opinions on the relevant content or having professionals make professional judgments. During the loan review process, it is not only necessary to ascertain the facts, but also to make professional judgments on the relevant facts in legal, financial and other aspects. In practice, most loan review processes are not very rigorous and in place.

How to check your online loan arrears

How to check whether you have unpaid online loans:

1. Check your personal credit report: Shangzheng Online loans that are creditworthy will leave a record in the credit report. If the online loan is not repaid, the record in the credit report will show that repayment is pending.

2. Check the loan APP: If there is a loan APP on the mobile phone, the user can check one by one, and enter the repayment page to know whether the online loan is pending repayment.

3. Check loan text messages: Some lending institutions will send text messages to remind users to repay. If the user receives the text message but does not perform the repayment operation, it can basically be determined that the online loan is in a state of pending repayment.

4. Check the WeChat official account: Some WeChat official accounts will provide loan services. Users who apply for online loans through the WeChat official account need to check the repayment status through the WeChat official account.

5. Query the big data of online loans: The big data of online loans will record the online loans that cannot be credited. Whether these online loans are pending repayment or have been paid off, the big data of online loans will be displayed. .

6. Check the mobile banking APP: The mobile banking APP can also directly apply for online loans. Users need to enter the mobile banking APP to check whether they have applied for the bank's online loan products and whether the loan has not been repaid.

7. Call the customer service hotline to inquire: Call the customer service hotline of the loan institution or the bank customer service hotline, and be transferred to the manual service. You can ask the manual customer service to check whether there is any outstanding debt.

8. Go directly to a bank branch or a lending institution service branch to check: With their ID card, users can go to a bank branch or a lending institution service branch to check whether there are any unpaid online loans under their name.

9. Check the bank card deduction status: If the bank card is automatically debited, then it is possible that an online loan has initiated automatic deduction. This can confirm that the online loan is still in repayment status. .

10. Query WeChat mini programs: Some WeChat mini programs provide loan services. After users apply for a loan, they must go through the mini program to know whether they have outstanding online loans.