How to check the remaining amount of the loan

1. Telephone Inquiry: If you encounter any problems during the loan repayment process, you can directly call the lending bank and be directed to manual customer service consultation. However, this method cannot be seen with your own eyes and can only be heard with your ears, which has certain limitations. If possible, ask the customer service lady to send a loan balance reminder text message to your mobile phone, just like we check the phone bill.

Operating environment:

Brand model: iPhone13

System version: iOS15.3.1

App version: v5.6.7.001

Take China Construction Bank as an example:

2. Online banking inquiry: Many banks have opened online banking. You can log in through the account registered when taking out a loan and find the loan business. You can see the remaining outstanding loan amount. Not only that, but you can also see the details of past loan repayments and the loan repayment plan. You can know when the last loan repayment time is, which is very intuitive.

3. WeChat query: Many banks have opened WeChat official accounts. Bind the official account with the card used for the loan. Click on the relevant content in the bottom menu bar to jump to the WeChat banking page. The query method is as follows. The two are almost the same, but you don’t need to download the APP. Some people jump to the APP download page so that they can query after downloading the APP.

Operating environment:

Brand model: iPhone13

System version: iOS15.3.1

App version: v8.0.18

Loan means that banks, credit unions and other institutions lend money to units or individuals who use the money, and generally stipulate interest and repayment dates.

Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Interest:

Interest refers to the remuneration paid by the borrower to the lender for obtaining the right to use funds. It is the use of capital (that is, the loaned principal) within a certain period of time. price. Loan interest can be calculated in detail through the loan interest calculator.

In civil law, interest is the legal interest on principal.

Repayment method:

(1) Equal principal and interest repayment: that is, the sum of the loan principal and interest is repaid in equal monthly installments. Housing provident fund loans and commercial personal housing loans from most banks adopt this method. In this way, the monthly repayment amount is the same;

(2) Equal principal repayment: that is, the borrower will evenly distribute the loan amount and repay it in each period (month) during the entire repayment period, and pay the same amount at the same time. A repayment method that clears the loan interest from the previous transaction day to the current repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Monthly interest payment and principal repayment on maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [with a period of one year] Applicable to the following (including one year) loans], the interest on the loan is calculated on a daily basis, and the interest is returned on a monthly basis;

(4) Repay part of the loan in advance: that is, the borrower can apply to the bank to repay part of the loan amount in advance , the general amount is 10,000 or an integral multiple of 10,000. After repayment, the loan bank will issue a new repayment plan, in which the repayment amount and repayment period will change, but the repayment method will remain unchanged. And the new repayment period shall not exceed the original loan period.

(5) Repay the entire loan in advance: that is, the borrower can apply to the bank to repay the entire loan amount in advance. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

(6) Borrow and repay at any time: The interest after borrowing is calculated on a daily basis, and one day is used to calculate the interest. You can settle the payment in one lump sum at any time without penalty.