Can I check the bank repayment record with my mobile phone?

You can log in to Mobile Banking.

On the client side, enter the card number and query password, and select "Loan Management" - Personal Loan Inquiry to query the details of the loan business type, amount, term, repayment method, remaining period, remaining principal, etc.

Extended Material: Commercial Bank Loan Process.

Certificate (ID card, household registration booklet.

Marriage certificate), income certificate (see bank for format, credit certificate (education certificate, real estate certificate.

etc.) and so on. Secondly, the bank confirms that the information carried by the borrower is complete and meets the requirements, and reviews the relevant information provided by the borrower when accepting the loan application.

Third, commercial banks examine the loan conditions and decide whether or not to provide loans in accordance with the loan management system established by themselves that separates examination and approval from loan examination and approval at different levels.

Then, after the commercial bank passes the approval, the commercial bank will sign the loan contract with the borrower.

Finally, the borrower uses the loan in accordance with the loan contract and repays the principal and interest on time.

1. Advantages of bank loans.

a) The cost is small.

Comparing various external financing instruments, the cost of borrowing from a bank is the lowest. Bank loan interest rates.

According to different circumstances, the general enterprise loan interest rate is higher than the preferential interest rate of small enterprise loans; Credit rating.

Low corporate loan interest rates may be higher than those with high credit ratings; The interest rate on medium- and long-term loans is higher than the interest rate on short-term loans. To sum up, banks still have a comparative advantage in lending rates.

2) Stable funding.

As long as the loan application of small and medium-sized enterprises passes the bank's review, signs a loan contract with the bank, and meets the conditions for loan issuance, the bank can always provide funds to the enterprise in a timely manner to meet the financing needs of the enterprise.

2. Disadvantages of bank loans.

The threshold is high. Bank loans to the size of the business.

The qualification requirements for reputation, profitability, growth and other aspects are high, and it is difficult for ordinary small and medium-sized enterprises to meet the requirements. Mortgages are usually required, and with the lack of real estate in SMEs, it is difficult for banks to recognize mortgages or pledges of machinery, equipment, and products, and intermediary appraisal fees are not a small cost for small businesses.

Although banks are required to provide loans to SMEs as much as possible, requiring commercial banks to provide loans to SMEs in the event of losses is only a stopgap measure and cannot be sustained. Urban and rural credit cooperatives are the main force of SME loans, but they cannot enjoy the 15% loan interest rate. Interest rate restrictions have weakened the risk control ability of SMEs and made it more difficult for SMEs to borrow from financial institutions.

However, the marketing cost of SME loans is too high for state-owned commercial banks.

The responsibility of lenders is heavy, which restricts the enthusiasm of banks for SME lending in another way.

There are several ways to check your loan history.

1. Online banking inquiry (for example).

Log in to Personal Internet Banking and click "Branch Features" Personal Loan Information Inquiry (Query Current Year Repayment Plan, Query Historical Repayment History, Adjust My Personal Information);

2. **Bank inquiry.

Call ICBC** Bank 95588 For personal customers, please press 1 to enter the customer number or passbook number or card number, and for personal loan information inquiry, please press 7 for personal loan information.

3. Bank branch inquiry.

Take your ID card to the credit management office of the local People's Bank of China to inquire and print your personal credit report.

4. Consult the bank loan reviewer.

How to log on to Personal Internet Banking.

software, and then bind yours, in which you can check the repayment status of your mortgage.

Further information: 1. Housing loan refers to the loan business in which the buyer applies for a loan from the bank to pay the purchase price with the building in the housing transaction as collateral, and then the buyer repays the principal and interest to the bank in installments. Also known as a home mortgage.

The process of buying a house with a loan is: preparation before viewing the house - on-the-spot inspection - numbering, selection - subscription and deposit.

Online signing, signing contracts, down payment - loans - house inspection - tax payment - house book, the following will be a detailed introduction to these processes.

Second, the specific process of buying a house with a loan:

Preparation before viewing Before viewing, you must first determine the type of property you want to buy, and then allocate funds reasonably according to the type of property you are buying.

On-site viewing to understand the specific situation of the entire real estate, such as buying an existing house, you can intuitively see the structure and type of the house, and you can also ask the real estate consultant about the surrounding supporting facilities and planning and construction; If it's off-plan.

The structure of the house can only be understood by looking at the floor plan, etc., because the surrounding facilities are still being planned, buyers can check the surrounding planning documents.

Numbering, selection** For some properties that are opened in a centralized manner, the developer will let buyers rank and wait until the day of the actual opening to select a house according to certain rules. When choosing a house, buyers can formulate a backup plan before mentioning lead filial piety, mainly from the following six aspects, including: location Yuli, **, surrounding municipal planning, environmental support, housing structure.

and towards Huai demolition draft and property management.

Subscribe and pay the deposit Before choosing a house to subscribe, the buyer needs to prepare the materials for the qualification review of the house purchase in advance, and hand over the materials to the developer's staff after signing the subscription letter. At the same time, when subscribing, you will also have to pay a part of the deposit, and there will be a receipt for the deposit (UnionPay.

receipt), the deposit payment amount will not exceed 20% of the total price indicated in the contract.

Summary. 1. Online banking inquiry (for example): Log in to your online banking and click "Branch Features" to query personal loan information (query the repayment plan of the current year, query historical repayment records, and adjust my personal information).

2. Bank inquiry: Call **bank Individual customers press 1 to enter the customer number or passbook number or card number For inquiries about personal loan information, please press 7 for inquiries about loan information. 3. Inquiries about bank outlets:

Take your ID card to the local credit management office of the People's Bank of China to check and print your credit report. 4. Consult the bank loan reviewer: you can inquire about the repayment plan of the current year, the record of historical repayment and the adjustment of personal information.

How to check your repayment history.

1. Online banking inquiry (for example): Log in to your online banking and click "Branch Features" to query personal loan information (query the repayment plan of the current year, query historical repayment records, and adjust my personal information). 2. Bank inquiry:

Call ** Bank Individual customers press 1 to enter the customer number or passbook number or card number For inquiries about personal loan information, please press 7 for inquiries about loan information. 3. Inquiry of bank outlets: Take your ID card to the credit management office of the local People's Bank of China to check and print your credit report.

4. Consult the bank loan reviewer: you can inquire about the repayment plan of the current year, the record of historical repayment and the adjustment of personal information. Different bank regulations are different, and the actual steps of inquiry can be consulted by calling the customer service ** of the handling bank.

How many numbers are in charge of the bank**.

You took out a loan from that bank.

Find your account manager for the loan.

Mortgage repayment records can be queried on the mobile phone, different banks have different ways to query, taking Bank of China as an example, you can follow the following steps to query:

3. If you do not log in at this time, you need to log in first, and enter the password correctly to log in.

4. After logging in successfully, you can see your loan record, and after clicking to enter, you can see the specific situation of the loan, such as the loan amount, repayment record, remaining principal payable, etc.

Conditions for applying for a mortgage.

1. A natural person with full capacity for civil conduct;

2. Have a valid residence status in the local area;

3. Have a stable and legal income, good credit, and have the willingness and ability to repay the principal and interest of the loan on time and in full;

4. Have a real, legal and valid contract or agreement for the purchase (construction and overhaul) of housing;

5. Make the first payment in a certain proportion of the total price of the purchased (constructed and overhauled) housing;

6. There are assets recognized by the lender (bank) as collateral, or units or individuals with sufficient solvency as guarantors; (The buyer is the borrower).

7. Other conditions stipulated by the lender, such as providing proof that it is not subject to local purchase restrictions.

The process of applying for a mortgage.

1. Loan application. The main lender, co-owner, and spouse must be present at the same time to sign the loan application and related loan documents.

2. Loan approval. After receiving the borrower's information, the bank conducts a loan review from the aspects of personal credit, collateral value and borrower's conditions. If the credit is bad, the loan may be rejected; If the borrower has existing liabilities and reaches a certain limit, it will be regarded as a high-risk loan, and may be subject to a loan approval opinion that the amount may be reduced or even approved.

The lending bank will also further examine the borrower's conditions according to the regulations, including: the borrower's income certificate (employment certificate), bank statement, loan amount, marital status and spouse's approval. Those who meet the loan conditions can arrange to sign a loan contract.

3. Sign the loan contract. Sign relevant contracts such as loan contracts, mortgage contracts, etc. The loan contract includes the amount of the loan, the purpose, the interest rate, the term, the repayment method, etc.

4. Mortgage registration. Go to the real estate registration agency to register the mortgage, and the bank obtains the real estate registration certificate.

5. Loan disbursement.

6. Loan repayment. Generally, the bank will provide the borrower with a special account for loan repayment (deposited by the borrower on time and transferred by the bank regularly).

7. Settle the loan and cancel the registration. If the loan is repaid, you must go to the bank to settle the loan. The mortgagee (bank) shall go to the real estate registration authority to register the mortgage cancellation with the real estate registration certificate and other materials.

Summary. Hello dear and happy to answer your <>

You can check the repayment record with bank k. **The bank inquiry is to call the credit card customer service of the issuing bank**, and after connecting, follow the voice prompts to query the repayment record or transfer to manual inquiry. Go to the bank branch of the issuing bank to inquire directly to the nearby card issuing bank outlet, and then take the number to queue up, and explain the intention to the staff.

Can I check the repayment record with a bank card?

Hello dear, I'm glad to answer for you [Taisho Ant Blocking Saffron]: You can find the repayment record with bank k. **The bank inquiry is to call the credit card customer service of the issuing bank**, and after connecting, follow the voice prompts to query the repayment record or transfer to manual inquiry.

Go to the bank branch of the issuing bank to inquire directly to the nearby card issuing bank outlets, and then take the number to line up, and explain the intention to the staff.

You can check the official website of the local housing provident fund management center online, and enter the S copy Z or provident fund card number and password after entering, and you can view the repayment details, current repayment progress, balance, etc. Counter enquiries. You can bring the same number of S and the loan to the counter of the loan bank for inquiry, and you can also find a staff at the outlet to print the loan repayment details and pretend to stop the repayment plan.

Summary. Hello, 1. The borrower can hand over the ID card to the personal loan department of the lending bank. One of the biggest advantages is that the borrower can not only find the loan balance, but also let the bank help print the inquiry within a year of the repayment plan, so that you can get a clear picture of the status of the loan within a year.

2. Type: Through online banking. After the borrower opens the bank, the bank can check the loan balance.

Borrowers can usually do this through "Personal Loans" – My Loans – Loan Inquiries. 3. This method is the most convenient, through online banking, you can not only check the loan balance, but also query the repayment record and other information.

Hello, 1. The borrower can hand over the ID card to the personal loan department of the lending bank. One of the biggest advantages is that the borrower can not only find the loan balance, but also let the bank help print the inquiry within a year of the repayment plan, so that you can get a clear picture of the status of the loan within a year. 2. Type:

Through online banking. After the borrower opens the bank, the bank can check the loan balance. Borrowers can usually do this through "Personal Loans" – My Loan Suspicion – Loan Inquiries.

3. This method is the most convenient, through online banking, you can not only check the loan balance, but also query the repayment record and other information.

Hello, if it is a car loan: 1. Network inquiry: The car spine wide car loan user can bring his valid identity card to the offline business outlet counter of the bank or auto consumer finance company for inquiry, and inform the counter staff of the need to inquire about the car loan repayment record, and then the counter staff will inquire the details for you.

2. **Inquiry: Call the customer service of the bank or financial institution to which the car loan belongs, and provide the personal information of the loan applicant to check the remaining outstanding situation of the loan, but this inquiry method cannot query more detailed repayment records.