Housing loan record query

How to inquire about mortgage repayment records

First, provident fund loans

You can inquire directly through the loan bank, or you can go to the service hall or service outlets of the local provident fund management center (remember to bring your ID card and repayment bank card when inquiring at the outlets); National medical insurance service platform App (Android) version number: V 1.0.2 Mobile phone model: Xiaomi MIX3 operating system MIUI 12. 1.0.

If it is through commercial loans, you can check the mortgage repayment records through online banking of commercial banks or directly through mobile banking.

Second, mobile banking.

Take the Bank of China as an example. First log in to the mobile banking of China Bank, select mine on the homepage, log in to your mortgage repayment account, then enter the homepage of China Bank and click Enter to view the remaining mortgage principal, then find the personal housing loan, click Enter, and then you can see the repayment record next to the repayment date, and click Enter to view the remaining loan, historical repayment and overdue repayment.

China bank App (Android) version number: V 1.0.2.

Mobile phone model: Glory 30

Operating System Harmony Operating System II

Third, matters needing attention

It should also be noted that commercial loans and provident fund loans are printed in different ways. There are generally two printing channels for repayment records of commercial housing loans, one is printing at business outlets, and the other is printing directly through online banking of loan banks. If you are going to print in a branch, remember to make an appointment in advance and bring your ID card and repayment bank card. If it is online banking printing, you need to open online banking in advance and prepare the printer.

If you buy a house through a provident fund loan, you need to go to the provident fund management center or an office to print the mortgage repayment record. If it is a portfolio loan, the proposal can be printed separately or in a commercial bank that handles portfolio loans.

Details of mortgage repayment are as follows:

1. Method 1: Inquire about mortgage repayment. Bring your ID card to the counter of the bank outlet that handles the mortgage loan and print the repayment details, so you can see at a glance how much you owe, how much you have paid back, how much you have paid back and how much interest you still have.

2. Check the mortgage repayment. Method 2: Log in to online banking for inquiry. If you have opened online banking, log in online banking and inquire about personal loan items, you can inquire about repayment details.

3. Inquire about the mortgage repayment method 3: Use the repayment calculator. With the repayment calculator, you can input the loan amount, loan term, loan interest rate, loan time and repayment time according to the actual situation of your loan, and then you can clearly know the monthly repayment amount of the mortgage, how much principal and interest have been paid, and how much principal and interest is left.

4. You can also log in to the online bank of the loan bank for inquiry (provided that online banking is opened), you can also call the customer service phone of the loan bank for inquiry, and you can also print the repayment details at the bank outlets. If you have unclear suggestions, please consult the official customer service of the bank.

Inquiry method of repayment records of China Bank

1. Open the home page of mobile banking of Bank of China, click "My" and log in to your mortgage repayment account first;

2. After that, go to the home page of China Bank and click "Loan". You can see the remaining mortgage principal at the top of the page;

3. Find the entrance of "individual housing loan" and click enter;

4. On the "Personal Housing Loan" page, you can see the "Repayment Record" button next to the repayment date, and click Enter;

5. On the page of "Repayment Records", you can see the remaining loans, historical repayment records and overdue repayment records.

What if the mortgage is overdue?

1. Overdue repayment after the repayment date will be recorded in the credit report; Overdue bad records will be recorded in personal credit records, and if they are not returned all the time, they will be blacklisted, which will affect personal credit information; Handling methods and consequences of bad credit reports; Ensure that the arrears are paid off in time and pay all expenses.

2. Bad records can be cleared automatically after five years, and loan business can be handled normally at that time; If there is no repayment, the bank can trace it back once after five years, and the non-recording period will be increased by five years; If the circumstances are bad, it can be traced back to permanent preservation.

3. During the period of bad credit reporting, you can't buy train tickets or plane tickets to travel; During the period of bad credit investigation, loans and credit cards cannot be used; During the period of bad credit reporting, travel abroad is restricted.

4. If all the consumption funds are paid off before the due repayment date of the current billing cycle, credit card consumption can enjoy an interest-free period without generating cyclic interest. If you use the cash advance function, you can't enjoy the interest-free period for the cash advance part. Interest will be calculated from the day of withdrawal, with a daily interest rate of five ten thousandths, and compound interest will be calculated monthly until it is paid off.

How to inquire about mortgage repayment records? There are many ways!

Now many people buy houses through mortgages, some through commercial banks and some through provident fund centers. Then, for those who have applied for housing loans, how can they check the mortgage repayment records? Today, I will introduce you to the query method.

For friends who have applied for commercial housing loans, you can check the mortgage repayment records through online banking or mobile banking of commercial banks. Friends who have applied for provident fund housing loans can inquire through the banks that issue loans, or through the service hall of the provident fund center and the following service outlets. If you want to check at the outlet, you must remember to bring your ID card and repayment bank card.

Taking Bank of China as an example, this paper introduces how to inquire about mortgage repayment records.

1. Open the home page of mobile banking of Bank of China, click "My" and log in to your mortgage repayment account first;

2. After that, go to the home page of China Bank and click "Loan". You can see the remaining mortgage principal at the top of the page;

3. Find the entrance of "individual housing loan" and click enter;

4. On the "Personal Housing Loan" page, you can see the "Repayment Record" button next to the repayment date, and click Enter;

5. On the page of "Repayment Records", you can see the remaining loans, historical repayment records and overdue repayment records.

Above, we introduced how to inquire about mortgage repayment records. Generally speaking, there are many inquiry channels and the inquiry is very convenient. If you have any objection to your repayment record, you can complain to the relevant institutions.

How to check the mortgage

Mortgage inquiry can be conducted in the following ways:

1. You can directly enter the issuing bank official website, find personal online banking, log in to the personal online banking system, and use the functions of account inquiry and customer service. If you want to have more and better services, you can apply for online banking shield at the outlet and upgrade to an online banking signing customer. In addition to the services of ordinary customers, contracted customers can also enjoy various forms of transfer and remittance, payment, wealth management, personal loans and other services;

2. Telephone inquiry: Telephone inquiry is more convenient. You can directly call the customer service hotline of CCB 96633, follow the voice prompts and enter the relevant ID number for inquiry.

3. Inquire about the business hall, directly in the business hall of CCB. When inquiring, you need to bring your personal ID card and mortgage bank card for staff to inquire.

4.APP query. Now many banks and some lending institutions have their own apps. Click Query directly and check their loans through the app.

5. Contact the account manager. When applying for a loan, there will usually be an account manager to negotiate. Applicants can also consult the account manager directly if they have any questions.

Housing mortgage loan conditions are as follows:

1, with valid ID card and proof of marital status;

2. Good credit record and willingness to repay;

3. Stable income;

4, the purchase of commercial housing sales contract or letter of intent;

5. Have the ability to pay the down payment of the purchased house;

6. Open a personal settlement account in a bank with effective guarantee.

Buying a house with a loan requires the following procedures:

1. When choosing a real estate, buyers should further confirm whether the real estate developed and built by the developer is supported by the bank to ensure a smooth mortgage loan;

2. Apply for a mortgage loan. After confirming that the property you choose has bank mortgage support, buyers should know about the bank's regulations on mortgage support for buyers, prepare relevant legal documents and fill in the mortgage application form;

3. Signing a contract: the bank receives the legal documents related to the mortgage application submitted by the buyers, and after examining and confirming that the buyers meet the mortgage loan conditions, it issues a loan consent notice or mortgage loan to the buyers;

4. Sign a house mortgage contract. When signing a house purchase contract, the buyer signs a house mortgage contract with the developer and the bank with the relevant legal documents stipulated by the bank, specifying the rights and obligations such as the amount, term, interest rate and repayment method of the mortgage loan;

5, mortgage registration, insurance buyers, developers and banks with the "housing mortgage loan contract" and the purchase contract to the real estate management department for mortgage registration;

6. Open a special repayment account. According to the contract, the buyer opens a special repayment account in a financial institution designated by the bank, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account.

How to inquire about your mortgage information?

There are three ways to query the mortgage:

The first type: the lender carries his ID card to the personal loan department of the loan bank outlet for inquiry.

The second type: query through online banking.

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 query method is as follows:

1. Lenders can use "personal loans" after opening online banking, such as China Agricultural Bank;

2. "My loan";

3. "Loan inquiry.

The third type: through the bank customer service telephone inquiry.

You can call customer service to inquire, but the information you get is relatively simple, and there is no information such as repayment records.

Extended data:

Information needed to apply for mortgage loan

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.

Repay the mortgage loan in advance

First, don't forget to surrender the loan in advance.

When the lender handles the loan, the bank will cancel the pledge. For example, if it is necessary to go through the prepayment procedures, Hefei Small Loan Bank normally requires the lender to submit a written or telephone request 15 working days in advance, and the bank will accept the loan.

If it is a lender who settles the full balance, Hefu Microfinance is prepared to make a remaining loan line after the bank, so that the lender can take out the remaining money and repay the loan in advance.

Second, we can't ignore the oath.

The danger of the owner's falling price after the down payment is paid off. After the borrower settles the full amount in advance, the bank will show the settlement certificate, and the lender will make plans after taking care of the loan settlement certificate issued by the bank and the original system of each bank.

Third, prepayment needs preparation.

At present, some banks will release the pledge in person. After the pledge is released, the lender needs to go to the bank to retrieve the original house. There will be changes. Banks stipulate that early repayment should be several times of 65,438+0,000, and some banks still need to charge a certain amount of non-repayment. If the depositor pays off the loan, he must not forget to pledge a certain loan and cannot ask for surrender.