How to inquire about the balance of housing loan

First, how to check the balance of housing loans

The query method is as follows:

1, bank branch query

Housing loan users carry this point to check the loan balance, and loan users can also ask bank staff to mark the repayment plan within one year.

In this way, loan users can know themselves and know what the principal and interest of their monthly repayment are respectively.

2. Online banking inquiry

Users can only query the loan balance through online banking. Inquiry steps: Open the bank official website, the user logs in, enters the online bank, and then finds the "personal loan" option.

Find "My Loan" and click "Loan Query" to query the loan balance in your name. Through online banking query, users can query not only the previous repayment records, but also the next repayment plan.

3. Telephone enquiry

Loan users can dial the sign to inquire, or they can ask for help from manual customer service. Telephone inquiry generally requires users to provide information such as ID number and telephone banking password.

4. Mobile banking inquiry

At present, mobile banking in some banks also supports loan balance inquiry, such as China Construction Bank and China Merchants Bank.

Users need to download the mobile banking APP to "Personal Loan", click Enter, and select the loan inquiry.

Users can clearly understand the loan balance and the number of remaining loan periods, and also see the loan repayment record.

The above four methods are commonly used to query the loan balance. If users want to check their mortgage repayment, they can choose the way that suits them.

Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application, income certificate, house sales contract, guaranteed payment and other supporting documents to the bank. After passing the examination, the bank promises to issue loans to the buyer, and according to the house sales contract provided by the buyer and the mortgage loan concluded between the bank and the buyer, the loan funds will be directly transferred to the bank account of the seller within the time limit stipulated in the contract.

housing loans

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. When applying for individual housing loans, borrowers must entrust loans, self-operated loans and portfolio loans. entrusted loan

Personal housing entrusted loan refers to the loan issued by the bank to individuals who use the housing provident fund deposit as the purchase capital according to the entrustment of the housing provident fund management department. Also known as provident fund loans.

Self-operated loan

Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. It is also said that the loan names of commercial banks are different. The Construction Bank is called a bank, and the Agricultural Bank is called a personal housing guarantee loan.

Consortium lending

Personal housing portfolio loan refers to a portfolio loan issued by housing provident fund deposits and credit funds to the same borrower for the purchase of self-occupied ordinary housing and self-operated loans.

Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc.

Loan amount: 80% of the value of the loanable property after being audited by the bank.

Mortgage down payment: the mortgage loan for the first suite needs a down payment of 30%, and for the second suite.

Loan life: the loan life of the first-hand house, and the loan life plus the applicant's age shall not exceed 70 years old.

Loan interest rate: the benchmark interest rate of the first home loan for more than 5 years is 7.26% as the benchmark interest rate rises 1. 1 times.

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

Guarantee fee

In order to avoid mortgage risks, general banks need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity.

Second, how to check the mortgage balance?

1) You can log in to the issuing bank's online banking for inquiry. When prompted for a password when logging in, you must enter the inquiry password (not the withdrawal password) that the bank counter staff asked you to enter for the first time when opening the card at that time, otherwise you cannot log in. If you want to get more detailed query results, you can also go to the counter of your issuing bank and ask for a detailed list (with ID card).

(2) You can bring your ID card to your issuing bank to open professional online banking, which is very convenient for you to use. You can not only inquire, but also operate other businesses (such as transfer, remittance, demand deposit, subscription fund, payment of utility fees, mobile phone fees, foreign exchange business, etc.) by yourself. ).

(3) To check your loan balance, you can go to your loan bank and ask the account manager.

3. How can I find out how much the provident fund loan is still outstanding?

1. Enter in the search box: national government service platform for search;

2. Then find the national government service platform applet in the search results, and click enter;

3. On the tab page of the national government service platform applet, find the provident fund and click Enter;

4. Then, enter the housing provident fund service interface and select the provident fund loan query;

5. Finally, you can check the balance of provident fund loans in the query interface of provident fund loans, that is, how much is left in the provident fund loans.

Four, how to query the balance of housing loans

1. Bank outlet inquiry: Housing loan users bring their valid identity documents to the bank outlet to inquire about the loan balance. 2. Online banking inquiry: to inquire about the loan balance through online banking, users must open online banking for inquiry. 3. Telephone inquiry: loan users call the bank's customer service hotline, follow the voice prompts for inquiry, or transfer to manual customer service for inquiry. 4. Mobile banking inquiry: At present, mobile banking of some banks also supports loan balance inquiry, such as China Construction Bank and China Merchants Bank. Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral. According to the source of loan funds, it is divided into provident fund loans and commercial loans. According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method. The housing loan interest rate is based on the benchmark interest rate of banks in the same period, and the loan interest rates of different banks have slightly increased. The types of housing loans provided by banks mainly include enterprises and individuals. Personal housing loans can be divided into personal housing provident fund loans and personal housing commercial loans, entrusted loans, self-operated loans and portfolio loans. Personal housing provident fund loan is a loan that employees who pay housing provident fund units to the fund management center on time in a specified period, buy or build their own houses (including second-hand houses) in this city, use their own property houses as collateral, and apply to the fund management center for guarantee by a legal person with guarantee ability. Loans can be issued by banks entrusted by the fund management center. Personal housing loan refers to the loan issued by the borrower to the bank with the purchased house as collateral, including forward mortgage loan and existing home mortgage loan. Among them: the auction house refers to the house under construction or the house that has been completed and accepted and is in the process of handling the real estate license; Xianfang refers to the house that has been completed and accepted and obtained the property right certificate. The maximum amount of personal housing loans issued by banks is 80% of the purchase amount. Personal second-hand housing loans refer to loans issued by banks to borrowers for the purchase of second-hand housing. Among them, second-hand housing refers to the housing that has obtained all property rights and can enter the secondary market of real estate for circulation and trading. The age of applying for a loan for a second-hand house is generally not more than 15 years; The sum of the loan term and the house age is generally not more than 25 years. Personal housing renovation loans refer to loans issued by banks to borrowers for renovating their own houses. The maximum proportion shall not exceed 50%, and the loan period shall not exceed 5 years. Personal housing consumption loans refer to loans issued by banks to borrowers for family expenses. The maximum proportion shall not exceed 50% of the assessed value of the collateral, and the longest loan period shall not exceed 10 year. Personal commercial housing loans refer to loans issued by banks to borrowers for purchasing personal self-operated commercial housing and self-occupied office housing. The purchased commercial house shall be an existing house, with the highest proportion not exceeding 60% and the longest loan period not exceeding 10 year. Personal housing portfolio loan refers to a loan composed of housing provident fund loan and housing guarantee loan, that is, when an individual's application for housing provident fund loan is insufficient to pay the purchase price, the insufficient part applies to the bank for commercial housing loan. The two loans bear interest according to the provident fund loan interest rate and the commercial loan interest rate respectively, and the loan term is the same. Borrowers can apply for portfolio loans from banks that accept provident fund loans.