How to inquire about the mortgage repayment amount?

To check the repayment of mortgage, you can bring your ID card and loan contract number to the loan bank counter. If you have a bank account and have enabled the online banking function, you can also log in to the online banking to inquire about personal loans. In addition, you can also call official customer service numbers (China Agricultural Bank 95599, China Construction Bank 95533, China Industrial and Commercial Bank 95588, China Bank 95566, Bank of Communications 95559, Postal Savings Bank 95580).

I. Inquiries about repayment of provident fund loans

1. You can check official website, the local housing provident fund management center, online. After entering, enter your ID card or provident fund card number and password to view repayment details, current repayment progress, balance, etc.

2. The provident fund is entrusted to bank online banking. After logging in successfully, find "Housing Provident Fund" in "My Account", and you can query the repayment progress and details.

3. Telephone inquiry. Now 12329 provident fund customer service telephone supports independent inquiry. According to the voice prompt, you can inquire by entering the provident fund account and password.

4. Use the prepayment calculator to set the prepayment date as the current date and pay off the repayment in one lump sum. Click to start calculation, and the "one-time repayment amount" in the result is the remaining mortgage principal and interest.

Second, the bank mortgage repayment inquiry

1, counter inquiry. You can bring your ID card and loan contract number to the loan bank counter, or you can find a staff member at the outlet to print the loan repayment details and repayment plan.

2. Online banking inquiry. You can log in to online banking to inquire about the repayment details of personal loans, but you need to open online banking. It is recommended to open it when applying for a mortgage. (Computer: Xiao Xin Airlines 15 Open QQ browser version 10.8.4506.400)

3. Customer service hotline. You can call the official phone number of the bank and enter the card number and password to quickly understand the current mortgage repayment situation.

1, equal repayment of principal and interest

Matching principal and interest repayment method is the default repayment method of banks, which means that borrowers repay loan principal and interest with the same amount every month, also known as matching principal and interest repayment method.

Calculation method of equal principal and interest repayment: [loan principal × monthly interest rate ×( 1+ monthly interest rate )× repayment months ]=[( 1+ monthly interest rate )× repayment months].

The characteristic of equal principal and interest repayment is that the principal and interest of monthly repayment are the same. Although this repayment method is easy to budget and the initial repayment pressure is reduced, the interest of initial repayment accounts for most of the monthly repayment, and the proportion of principal in repayment gradually increases and the proportion of interest gradually decreases, thus achieving a relative balance. The interest paid by this repayment method is high, but the pressure of prepayment is not great. This repayment method is suitable for ordinary wage earners.

2. Repayment by average capital

Average capital repayment method is that the borrower repays the principal in equal amount every month, and the loan interest decreases month by month with the principal, and the repayment amount also decreases month by month, so it is also called diminishing method.

Calculation formula of equal principal repayment: monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.

The repayment method in average capital is characterized by monthly repayment of principal and daily calculation of interest according to the loan principal amount. The early repayment is large, and the monthly repayment is gradually reduced. The interest paid by this repayment method is low, but the pressure of prepayment is great. Therefore, this repayment method is suitable for families with better economic income.