With the progress of science and technology and the development of society, every family now wants to own their own house and live happily together. However, if the funds are not enough, they may buy, and if they earn enough money, they will often waste the waiting time. Now the bank has provided convenience for everyone and can borrow money to buy a house. Later, in the process of buying a house by loan, they want to inquire about the situation of personal housing loans and how to find out the method!
Personal housing loan introduction:
Personal housing loan refers to the loan issued by the bank to the borrower for the purchase of self-occupied ordinary housing, and must provide guarantee.
One of the main asset businesses of individual banks. What he means is that the commercial bank buys the developer of the first transaction from the borrower and sells it to the borrower after development and construction.
Personal housing loans are used to support individuals to buy, build and overhaul houses in cities and towns in Chinese mainland. Natural persons from Hong Kong, Macao and Taiwan with full civil capacity who have the right of abode in Chinese mainland, and foreigners with full civil capacity who have the right of abode in Chinese mainland.
Inquiry method of personal housing loan
Every bank has different inquiry methods, and so do commercial loans and provident fund loans. We take ICBC's personal housing loan inquiry as an example:
I. Personal housing loan 1 query. The online banking inquiry process is as follows:
Log in to personal online banking → click "Branch Function" → personal loan information query (query repayment plan of the current year, query historical repayment records and adjust my personal information);
Two, individual housing loans:
Call ICBC Telephone Banking 95588→ individual customer or passbook number or →7→ personal loan information inquiry.
Third, personal housing loan inquiry 3, bank outlets
I took my ID card to the Credit Management Office of the local people's bank to inquire and print personal credit reports.
Well, the above is the inquiry method of personal housing loan that Bunny briefly introduced to you. There are three ways, which are actually quite convenient. If you don't trust the operation of the computer, you can choose to call the customer service phone of the bank. If you don't like this way, you can try to go to the nearest outlet to inquire, which is more reassuring. The most important thing is to choose the method that suits you.
Second, how to inquire about personal housing loans
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. At present, personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. (1) Personal housing entrusted loan refers to the loan granted by the bank to individuals who purchase ordinary housing with housing provident fund deposits as the source of funds as required. Also known as provident fund loans. (2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan. (3) Personal housing portfolio loan refers to the loan granted to the same borrower for the purchase of self-occupied ordinary housing based on the housing provident fund deposit and credit funds, which is a combination of personal housing entrusted loan and white camp loan. In addition, there are housing savings loans and mortgage loans.
3. What are the inquiry methods for individual housing loans?
With the progress of science and technology and the development of society, every family now wants to own their own house and live happily together. But if the funds are not enough, you may not be able to buy a house, and it is impossible to wait until you earn enough money to buy it, which often wastes the waiting time. Now the bank provides convenience for everyone, you can borrow money to buy a house, and then pay it back slowly. Then, in the process of buying a house by loan, we would like to inquire about the personal housing loan. How should I inquire? Let's learn about the method through the introduction of rabbits!
Personal housing loan introduction:
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan.
Personal housing loan business is one of the main asset businesses of commercial banks. He refers to the loans granted by commercial banks to borrowers who buy houses for the first time (that is, houses developed and built by real estate developers or other qualified developers and sold to individuals).
Personal housing loans are used to support individuals to buy, build and overhaul houses in cities and towns in Chinese mainland. China citizens with full capacity for civil conduct, Hong Kong, Macao and Taiwan natural persons with full capacity for civil conduct with the right of abode in Chinese mainland, and foreigners with full capacity for civil conduct with the right of abode in Chinese mainland.
Inquiry method of personal housing loan
Every bank has different inquiry methods, and so do commercial loans and provident fund loans. We take ICBC's personal housing loan inquiry as an example:
I. Personal housing loan 1 query. The online banking inquiry process is as follows:
Log in to personal online banking → click "Branch Function" → personal loan information query (query repayment plan of the current year, query historical repayment records and adjust my personal information);
Second, personal housing loan inquiry 2, telephone banking inquiry process is as follows:
Call ICBC Telephone Banking 95588→ For individual customers, please press 1→ Enter the customer number or passbook number or → For personal loan information inquiry, please press 7→ Personal loan information inquiry.
Three. Personal housing loan inquiry. Inquiries about bank outlets are as follows:
I took my ID card to the Credit Management Office of the local people's bank to inquire and print personal credit reports.
Well, the above is the inquiry method of personal housing loan that Bunny briefly introduced to you. There are three ways, which are actually quite convenient. If you don't trust the operation of the computer, you can choose to call the customer service phone of the bank to operate. If you don't like this way, you can try the last way, and bring your ID card to the nearest outlet for inquiry, so you can rest assured. The most important thing is to choose the method that suits you.
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