How do I check how much is outstanding on my car loan? I am from Industrial and Commercial Bank of China? Can I check on my mobile phone?
ICBC can check how much of the car loan remains outstanding through mobile banking, telephone banking and other channels.
1. Mobile banking (version 6.1.1.0.0): After logging in, select "Favorites-Loans-My Loans" to find the car loan information handled by ICBC, including loan service banks, Total loan amount, repayment date, loan term, repayment plan, etc.
2. Telephone banking: Use the reserved mobile phone number to call the labor bank service hotline, follow the voice prompts, and enter the corresponding keys to query Personal car loan information, but commercial car loan information cannot be queried.
Personal loan car purchase business is divided into direct customer loans, inter-customer loans and credit car loans.
The direct customer type is generally a bank car loan where the customer meets directly for the loan, while the inter-customer type is generally a car finance company's car loan that is transferred from the car finance company to the customer. For direct customer bank car loans, the fee items charged include deposits, principal and interest, 3% guarantee fee, etc. The fees for high-quality bank customers will be discounted, but each bank's preferential policies are different.
In addition to paying the above fees, cross-customer auto finance companies also need to bear regulatory fees, fleet management fees and warranty renewal deposits. There are also credit card car loans. Credit card installment car loans only provide installment payments to bank credit card users without providing any conditions. There is also an audit process, which is difficult for credit card users with poor credit histories.
The specific steps for credit card installment purchase are as follows:
1. The cardholder (or applicant) calls the bank's credit card center or goes to the local bank to find out whether a credit car loan can be applied for.
2. The cardholder takes his ID card to the dealer to fill out the car purchase installment form and submit it to the bank's backend for review.
3. After the order is approved, the cardholder pays the deposit and goes through the normal car purchase procedures.
4. After the vehicle license plate is installed, the cardholder needs to go to the bank to handle mortgage procedures and purchase the required vehicle insurance.
5. Finally we can drive away smoothly.
How to inquire about car loans at 95588
95588 is the service hotline of ICBC. You can call the hotline to connect with human customer service or follow the intelligent voice prompts to inquire about car loan related tasks. 95588 serves a large number of public and private customers. Users can easily enjoy a series of convenient, fast, 24/7 financial services of the bank through the phone around them no matter when and where they are, just by dialing "95588"; The fees charged by 95588 are local calls, and there are no charges from the bank.
1. Car loan refers to a loan granted by a lender to a borrower who applies to purchase a car. Car consumption loans are a new loan method that banks issue RMB-guaranteed loans to car buyers who purchase cars at their authorized dealers. The interest rate of automobile consumer loans refers to the ratio of the loan amount to the principal issued by the bank to consumers, that is, borrowers, for the purchase of self-use cars (non-profit family cars or commercial vehicles with 7 seats or less (inclusive)). The higher the interest rate, the greater the repayment amount the consumer will have to pay.
2. Personal loan car purchase business is divided into three types: direct customer type, indirect customer type, and credit card car loan. The direct customer type is generally a bank car loan where the customer meets directly for the loan, and the indirect customer type is generally a car finance company car loan where the auto finance company transfers the customer to the customer. For direct bank car loans, the fees collected are deposit, principal and interest, 3% guarantee fee, etc. The fees for high-quality bank customers will be discounted, but each bank's preferential policies are different. In addition to paying the above fees, Jianke Auto Finance Company's car loan also needs to pay supervision fees, fleet management fees, and warranty renewal deposits.
3. Industrial and Commercial Bank of China implements a commercial bank operation and management system with unified legal person authorization. The Head Office of the Industrial and Commercial Bank of China is the operation and management center, fund dispatching center and leadership command center of the entire bank. It has the legal person property rights of the entire bank and is responsible for the efficiency, safety and liquidity of the entire bank's operations. On the basis of authorization and credit management , implement the branch management model of "one level of decentralization and two levels of supervision" to achieve the purpose of stable operation, prevent risks and improve economic benefits. ICBC has achieved diversified and innovative development in intermediary business.
In 2008, ICBC's net fee and commission income reached RMB 44 billion, an increase of 14.7% over the same period last year. Emerging businesses such as bank cards, investment banking, asset custody, corporate annuities, cash management, and wealth management continued to develop rapidly and healthily. All indicators rank first among domestic peers.
How to check car loans from ICBC
If you buy a car by installment payment with a credit card, you can check the number of remaining installments, amount, deduction date and other information of the installment payment you have processed through the following channels:
ICBC e-Life: After logging in, select "Finance-Instalment-My Installments" and click on the installment you want to check;
Online Banking: After logging in, select "All -Credit Card-Instalment Payment-My Installment Payment" click for details.
In addition, you can inquire through mobile banking, branches and other channels.
If it is a personal automobile consumption loan, you can check the information about your loan with our bank (loan service bank, total loan amount, repayment date, loan term and repayment plan, etc.) through the following channels: < /p>
Online banking: After logging in, select the "Favorites-Loans-My Loans" function;
Mobile banking: After logging in, select the "Favorites-Loans-My Loans" function.
A car loan refers to a loan issued by a lender to a borrower who applies to purchase a car. Car consumption loans are a new loan method that banks issue RMB-guaranteed loans to car buyers who purchase cars at their authorized dealers.
ICBC car loans require procedures. Different loan methods have different procedures. An example of a personal car loan is as follows:
Application information
Borrower and their spouse’s valid identity documents, household registration certificate or valid residence certificate in the city where the loan bank is located, marriage status certificate or unmarried statement;
Personal income certificate (personal tax certificate, salary certificate, employment certificate at ICBC or other banks) Certificate of average financial assets in the past 6 months);
Bank deposit certificate of down payment or relevant certificate issued by the dealer;
Car purchase contract or car purchase agreement;
Vehicle insurance contract, vehicle certificate (if the purchased vehicle is a domestically produced vehicle), imported motor vehicle inspection form and cargo import certificate (if the purchased vehicle is an imported vehicle), vehicle purchase invoice;
Relevant certification materials for loan guarantee;
Proof of personal settlement account opened at ICBC;
Other materials required by the bank.
Application conditions
A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 60 (inclusive). If foreigners and residents of Hong Kong, Macao and Taiwan are borrowers, they should have lived continuously in the territory of the People's Republic of China for one year and have a fixed residence and occupation, and provide a local contact person;
Have legal qualifications Valid proof of identity, household registration certificate or valid residence certificate in the city where the loan bank is located, marriage status certificate or unmarried statement;
Have good credit record and willingness to repay;
Have stable The legal source of income and the ability to repay the principal and interest of the loan in full and on time;
Be able to provide valid rights pledges or collateral recognized by the bank or a third-party guarantee with the ability to compensate;
Be able to pay a down payment of no less than the specified proportion of the purchased vehicle;
If it is an "individual" loan, you must also hold a car purchase agreement or car purchase contract signed with a special dealer;
The borrower's single household (including spouse) shall not have more than 3 personal automobile consumption loans with ICBC (excluding those that have been settled);
Open a personal settlement account with ICBC;
Other conditions specified by the bank.
How to check the balance of a car loan credit card
If you want to check the balance of a car loan card, in addition to entering the password to check directly at the counter, you can also check it through the following methods.
1. Bind the car loan card bill information to your common email address and query it through the bank statement. The bank will regularly send each period's bill to the mailbox number, and the bill will display the current period's arrears, repayment amount, balance and other information;
2. Call the bank's customer service unified service hotline and press the prompt tone to enter Transfer the ID number and car loan card to manual service for inquiry;
3. Bring your ID card and car loan card to the bank counter for direct inquiry;
4. Log in to the car loan card In your bank's online banking, click to enter bill inquiry to check your balance.
In addition, the car loan card cannot be used after the car loan is repaid. If you need consumer loans, you need to apply for a separate bank credit card.
A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
How to check the ICBC car loan? Is the ICBC car loan credit card a scam?
To inquire about the ICBC car loan, you can call the ICBC customer service hotline 95588 or go to an ICBC branch for consultation. You can also inquire online.
If you are querying online, the steps are as follows:
1. Open ICBC online banking and activate it. The URL link of ICBC online banking is.
2. Log in to ICBC online banking.
3. Enter the personal loan module and click on the progress query to learn the relevant content.
Some car owners have reported that industrial and commercial car loan credit cards are being tricked into tricking people. This situation is relatively rare, but it is also difficult to avoid. The author was also tricked by the lobby manager of China Construction Bank into applying for a credit card, and had to do it on his own. Be careful.
Procedures for applying for industrial and commercial car loans
1. "Personal Loan Application Form";
2. Valid personal identity certificate, including resident ID card and household registration book , military officer's ID card, passport, travel pass for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the spouse's identity certificate is also required;
3. Household registration certificate or long-term residence certificate;
4 , Proof of personal income, and if necessary, proof of family income or property;
5. Proof of intention to purchase a car issued by the car dealer;
6. Proof of down payment for car purchase;
7. If the car purchased with a loan is a commercial vehicle, you must also provide proof that the purchased vehicle can be legally used for operations, such as an affiliation agreement with a transportation fleet, a lease agreement, etc.
This concludes the introduction on how to check industrial and commercial auto loan credit card and how to check the balance of industrial and commercial auto loan credit card. Have you found the information you need?