How to check the credit card balance of car loan

How does CCB inquire about the remaining loan of car loan?

The basic information of CCB's car loan, including repayment account, interest rate, loan amount and remaining installments, can be inquired in three ways:

1, mobile banking inquiry: download the latest version of CCB mobile banking, log in to the loan page and find the car loan.

2. Personal online banking inquiry: enter CCB's personal online banking in the browser, open and log in, and find the loan service-my loan.

3. Telephone inquiry: Call the loan account manager to ask for help in inquiring about the remaining term.

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car.

The actual interest rate of car loan is set by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. There are three types of car loans: direct, indirect and credit card. The term of car loan is generally 1-3 years, and the longest is no more than 5 years.

Potential borrower

The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.

deadline

Term of automobile loan

The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year.

loan rate

benchmark interest rate

According to the regulations of the central bank, the benchmark interest rate is implemented for auto loans, but financial institutions can float within a certain range of the benchmark interest rate. The term of auto loans in major banks is generally less than five years, and the interest rate of auto loans directly determines the cost of people's loans and becomes an important factor in determining whether people lend.

How to calculate the car loan interest rate

Calculation formula of monthly car loan: a = p (1i) [(1i) n-1]/n 2/i.

A: Monthly contributions.

P: total donations

I: monthly interest rate (annual interest rate/12)

N: Total months of contribution (year × 12)

Type of automobile loan

Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.

The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.

In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.

And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.

The specific steps of buying a car by credit card in installments are roughly as follows:

1. The cardholder (or applicant) calls the bank's credit card center or goes to the local bank to find out whether he can apply for a credit card car loan.

2. The cardholder will fill in the installment order of car purchase at the dealer with his ID card, and the bank background will review it.

3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.

4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance.

Finally, I can drive the car away smoothly.

How does GAC Huili inquire about the repayment balance of car loan?

You can go to Guangzhou Automobile Huili official website Self-help Loan, where you can find out and learn more.

By querying transaction records and balance, you can query the balance, transfer amount, account balance and details on the car loan credit card.

1. Counter inquiry: You can check at the bank counter with your ID card and bank card;

2.ATM inquiry: Insert the bank card into the ATM, enter the password, and click Inquiry to inquire about the balance.

Usually, there are three ways for car owners to inquire about the loan situation:

1. The owner came to the bank that handled the car loan with his ID card and asked the staff of relevant departments. In this way, we can not only know how many loans are left.

To return it, the owner can also ask the staff to help print the repayment list to find out how the subsequent repayment situation is.

2. Open personal online banking. After opening, car owners can check personal loans on their mobile phones. In addition to checking the remaining loan funds,

The customer's amount, you can also know the previous repayment records and so on.

3. Call the bank customer service for consultation. However, in this way, the owner can only know how much information the remaining loan has, and other details will not be known.

It is best for the car owner to ensure the normal repayment every month, and there will be no overdue problems. Otherwise, the overdue records are registered in the personal credit information system by the bank, which will have a negative impact on personal social credit, leading to the owner's refusal to apply for other loans.

GAC Huili Auto Finance Co., Ltd. (hereinafter referred to as GAC Huili) was established on 20 10 and headquartered in Guangzhou. It is the first Sino-French joint venture auto finance company in South China, and is jointly funded by Guangzhou Automobile Group Co., Ltd. (hereinafter referred to as GAC Group) and Oriental Huili Personal Finance Co., Ltd., a large French banking group.

After nearly ten years' development, the business scope of GAC Huili currently covers 30 1 cities in China, and has established good automobile finance cooperation relations with more than 2,800 cooperative dealers. In the past five years, the average annual compound growth rate of GAC Huili has exceeded 35%. As of September 2020, GAC Huili has provided professional auto finance services to more than 2 million customers.

The balance of retail loans has increased for ten consecutive years, exceeding 47 billion.

Guangzhou Huili KST Express Apps, combined with the risk policies of the two securities loans, is the first in the industry to introduce the process of automatic product recommendation and automatic approval based on customers' personal information. The application utilization rate of APP has reached 93%, which is the crystallization of the close combination of financial technology.

In addition, GAC Huili maintains close cooperation with seven brands under GAC Group, including GAC Chuanqi, GAC Honda, GAC Toyota, GAC Mitsubishi, GAC Fick, GAC Acura and GAC Ai 'an.

Provide them with professional auto finance services. According to the latest data,

For every four vehicles sold by Guangzhou Automobile Group, 65,438+0 vehicles were purchased through the auto finance service of Guangzhou Automobile Huili.

In the future, GAC Huili will continue to keep up with the rhythm of various OEMs under GAC Group, help dealers to sell, and make every effort to provide customers with quality financial services.

Operating environment: GAC Huili V2.8

How to inquire about personal car loan balance? Bank of China

To apply for a personal commercial loan from Bank of China, you can log in to Personal Online Banking 1 and inquire about the loan situation through the function of "Loan Management-Loan Inquiry and Settings", including historical transactions, remaining repayment plans, line details, overdue information, etc.

2. You can log in to mobile banking and check the loan status through the functions of "Home-Loan-My Loan"-Select the corresponding loan-enter the loan details page and click three points in the upper right corner-view the contract.

Please consult the loan handling bank for details.

The above contents are for your reference. Please refer to the actual business regulations.

How to inquire about ICBC car loan credit card without password?

How can I check the balance of the car loan card without a password?

Car loan card is a credit card specially used to repay car loans, which can only be deposited but not taken, and most of them have no quota and cannot be used for credit card consumption. If you want to query the balance of the car loan card, you can also query it in the following ways besides directly entering the password at the counter:

1. Bind the bill information of the car loan card with the common email address, and query it through the bank bill. The bank will regularly send each bill to the mailbox number, and the bill will show the current arrears, the amount to be repaid, the balance and other information;

2. Call the unified service hotline of bank customer service, and enter the ID number and car loan card to the manual service for inquiry according to the prompt tone;

3. Bring my ID card and car loan card to the bank counter for direct inquiry;

4. Log in to the online bank of the bank where the car loan card is located, and click to enter the bill inquiry to inquire about the balance.

In addition, after paying off the car loan, the car loan card cannot be used. If you need a loan, you need to apply for a bank credit card separately.

Usually, there are three ways for car owners to inquire about the loan situation:

1. The owner came to the bank that handled the car loan with his ID card and asked the staff of relevant departments. In this way, not only can we know how many loans remain to be repaid, but the owner can also ask the staff to help print the repayment list and understand the subsequent repayment situation.

2. Open personal online banking. After opening, car owners can check personal loans on their mobile phones. In addition to checking the remaining loan amount, you can also know the previous repayment records.

3. Call the bank customer service for consultation. However, in this way, the owner can only know how much information the remaining loan has, and other details will not be known.

How to see how much car loan is left?

1. Call the service hotline of the auto loan handling bank (auto consumption finance company) and ask the customer service directly through the manual service channel. The customer service staff will help the inquiry immediately after verifying the customer's identity information and inform the inquiry result.

2. Find the car loan you applied for on the online banking/mobile banking client of the car loan handling bank or the personal account page of official website /APP, an auto consumption finance company. You can find it through the bill inquiry option, and you can also know the detailed records of past repayment.

3. Look through the monthly repayment reminder SMS sent by the auto loan handling bank (auto consumption finance company) on the mobile phone, and the content of the SMS will generally clearly inform the customer of the amount to be repaid in the current month and the remaining outstanding loan amount.

4. If there are offline outlets of auto loan handling banks (auto consumer finance companies) near their work and residence, customers can also bring their ID cards and repayment bank cards to the outlets to find counter staff to apply for inquiries.

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car.

The actual interest rate of car loan is set by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. There are three types of car loans: direct, indirect and credit card. The term of car loan is generally 1-3 years, and the longest is no more than 5 years.

Type of automobile loan

Car loan personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.

The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.

In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.

And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.

The specific steps of buying a car by credit card in installments are roughly as follows:

1. The cardholder (or applicant) calls the bank's credit card center or goes to the local bank to find out whether he can apply for a credit card car loan.

2. The cardholder will fill in the installment order of car purchase at the dealer with his ID card, and the bank background will review it.

3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.

4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance.

Finally, I can drive the car away smoothly.

Letter of credit clause

1. Have valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.

This is the end of the introduction on how to query the balance of car loan credit card and how to query the balance of car loan credit card. I wonder if you found the information you need from it?