How to inquire about the remaining mortgage?

There are three ways to know how much money is left in the mortgage: offline loan department inquiry, online banking inquiry, and telephone loan bank inquiry.

The specific query method is as follows:

First, offline outlets query

Lenders bring their ID cards and relevant valid certificates to the personal loan department of loan bank outlets for inquiry. The advantage of offline inquiry is that you can not only know how much money is left in the loan, but also print the repayment schedule for the next year, which is convenient for making capital arrangements in advance.

Second, through online banking inquiry

Third, through the bank's customer service telephone inquiry.

For borrowers who are inconvenient to use mobile phones or computers, they can also call the loan bank. However, this method can only obtain the single information of the loan balance, and can not provide other information telephone services for the time being.

Related Q&A: How to check the remaining mortgage 1 on the mobile phone? Industrial and Commercial Bank of China: After logging in to mobile banking, users can select the "Favorites-Loans-My Loans" function on the home page to find the mortgage, and then click it to see the mortgage information, including the mortgage lender, total loan amount, repayment date, remaining mortgage amount, loan term, etc. And you can also find a specific mortgage repayment plan. Operating environment: Apple 12 mobile phone, ios 14 system, China Industrial and Commercial Bank version 6. 1. 1.0.02, China Construction Bank: you need to log in to the mobile banking for inquiry. The steps are mobile banking-loan-my loan, enter the ID number and login password to log in, and you can see the processing on my loan page. Operating environment: Apple 12 mobile phone, ios 14 system, version 5.6.03 of China Construction Bank, Agricultural Bank of China: log in to the Pocket Banking App, click "All → Loan → View Details", select personal commodity housing loan, and click in to see personal mortgage information, including when it was processed, how many years it was borrowed, and how many repayment periods. Operating environment: apple 12 mobile phone, ios 14 system, China agricultural bank version 6.7.0: interest rate policy: the loan interest rate is subject to the relevant interest rate policies of China people's bank 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 an integral part of the loan interest rate system. In the process of reforming and perfecting the formation mechanism of LPR, the pricing benchmark of individual housing loans also needs to be changed from the loan benchmark 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 new individual housing loans in China shall not be lower than the corresponding term LPR (according to the LPR of more than five years on August 20, 4.85%); 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: 2065438+On August 25th, 2009, the People's Bank of China announced the adjustment of the interest rate policy for new commercial personal housing loans. From August 8, 2009 to August 8, 2065438, the interest rate of new commercial personal housing loans was based on the latest month's loan market quotation (LPR) 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+ as the pricing benchmark (the bonus value can be negative), and the bonus value is fixed during the remaining period 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. Related questions and answers: How to estimate how much mortgage you still have? We can use our personal ID card to check in the business hall of the loan bank. Secondly, you can call the hotline of bank customer service. Third, we can also use mobile phones or computer clients to log in to our online banking account for inquiry.

At present, the social situation is increasingly severe, and house prices have risen sharply. However, with our efforts day by day, it is difficult to realize our house freedom with part of the accumulated wages. So once you need to buy real estate, you need to use the loan business to realize it. Even if the down payment of the house is made up, you need to apply for a loan to realize your own demand for house purchase by stages.

Generally, there are two ways to help us realize the housing loan, one is to use the housing provident fund loan, and the other is the commercial loan. The amount of the latter is relatively higher and the interest is higher. In the choice of the two, you can further choose according to your own needs.

The housing provident fund loan mentioned in the former is a policy personal housing loan, but the interest rate is lower, which is the welfare guarantee provided by the state for the middle and low-level workers who pay the housing provident fund to improve the purchase rate. The latter is a commercial personal housing loan. When we have the first house and want to buy a second house, we can't use the housing provident fund, but the commercial housing loan can be used indefinitely.

However, although we enjoy the happiness of owning a house, we have to repay the loan on time. Overdue or delayed repayment will have an impact on our personal credit information. So, how can we know how many mortgages are still unpaid?

If you use provident fund loans, you can directly log in to official website, the provident fund management center, you can directly inquire about your remaining repayment bills, and you can also bring proof to the service hall or relevant offices of the provident fund management center.

Besides, according to the banking service, you have three ways to check your repayment bill.

First of all, in the most primitive way, we can use our personal ID card to inquire and print bills in the business hall of the loan bank, so as to clearly understand our repayment progress. Secondly, we can use artificial intelligence to query. We can call the bank's customer service hotline and make inquiries according to voice prompts or manual customer service. Thirdly, we can also log in to our online banking account with our mobile phone or computer client to inquire, so that we can clearly and intuitively check our loan installment and remaining repayment amount.

Loan is something that has an impact on personal credit information. We should carefully consider, repay in strict accordance with the signed contract, spend reasonably, and get the life we want according to our personal situation and ability.