As we all know, after the borrower submits the loan application, the bank will review the loan, and one of the links is the telephone review. People who have no loan experience don't know what the loan review phone will ask, and then they may be nervous and affect the review. Next, they will increase their knowledge and prepare for the telephone audit of loans.
The reason why the bank calls the loan review phone is to confirm whether the information submitted by the borrower is true, so the bank usually asks the borrower questions on the form, including the following aspects:
1, personal basic information
Generally, you will ask the borrower's personal name, ID number, income, occupation unit and marital status, and the bank will evaluate your repayment ability according to these basic conditions. These contents are all filled in the information you submitted. The main purpose of the second inquiry is to make a authenticity investigation to see if you have cheated on loans and exclude some customers who cheated on loans.
2. Overdue situation
In the pre-loan investigation, personal credit investigation is also the focus of bank review, and the bank will predict your repayment intention according to the credit record, thus affecting the loan approval. If there is no overdue record, just answer truthfully. For those overdue, different banks have different requirements for credit investigation. Some banks refuse to lend once they are overdue, while others are more relaxed. You only need to give a reasonable explanation for your overdue, except for the credit stain such as malicious default, which generally does not affect the loan.
3. Fuck oak parts
If you are a self-employed person or a borrower applying for a commercial loan, the bank will also ask you about your business conditions, such as loan purposes, sales, inventory and profitability. If your business situation is not good, the bank will not lend money easily. Therefore, in the phone call of loan review, in order to avoid saying the wrong thing, the borrower should think carefully before answering the question seriously.
Editor's Note: Instead of worrying about what the loan review phone will ask, let users make more efforts to provide information to ensure the authenticity of the information. If the information obtained by the bank through telephone call-back is inconsistent with the information provided by the borrower, then the borrower's repayment ability and willingness will definitely be questioned.
What are the telephone answering skills for loan review?
1. Keep the phone open. It is best to answer the loan approval call as soon as possible, and it doesn't matter if you miss it once. The credit manager will call you again within 24 hours. If you miss it more than twice, you may miss the loan from now on.
2. When answering the phone, the tone should be gentle and the attitude should be good, but you don't have to please it deliberately. In addition, think twice before you answer, and don't inadvertently reveal some bad information.
3. When the audit call comes in, you should keep a calm mind and avoid getting emotional and saying the wrong thing. The chief auditor's questions mainly focus on several aspects, such as verifying whether I answered the phone, the purpose of the loan, and whether the submitted information is true and valid.
4. If the application is a secured loan, the auditor must know the basic information of the guarantor when asking about the guarantor, and at least answer the guarantor's name, address and relationship with the guarantor.
Finally, don't lie about the facts, be evasive, and speak with confidence. If you ask about the overdue situation, you must actively explain the reasons, and don't just say that you have forgotten it.
What questions will the bank ask when it calls for mortgage review?
When reviewing the applicant's information, it is mainly to inquire about the contents in doubt, including but not limited to: my relevant credit (compared with the records in the credit information system) and the situation of my work unit (including salary income and position, etc.). ), you may also ask people in your same unit or your superior unit or subordinate unit (if you have applied for a card, the information base will ask them, if the unit is the same, the position is the same, and the income difference is big).
The borrower must meet the following conditions:
(1) has legal identity.
(2) having stable economic income, good credit and the ability to repay the principal and interest of the loan.
(3) There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.
(4) Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.
(5) There is an asset mortgage or pledge recognized by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as the guarantor.
(6) Other conditions stipulated by the lending bank.
What will be asked by the loan review phone, and how to answer it will add points.
Under normal circumstances, borrowers will be audited by lending institutions when making loans, and most of these audits are conducted by telephone. So what will the loan review phone ask? How should the borrower answer to get extra points? Next, I will sort out and analyze some common questions and answers, hoping to be useful to everyone and prepare for the loan review call.
What will the loan review phone ask? Specifically, there are three aspects:
1, asking about personal basic information.
Generally, it is the borrower's personal name, ID number, income, marital status, professional unit, etc. Will be asked, the bank will judge whether you have repayment ability according to these basic conditions. These contents are filled in the submitted materials. The main purpose of the second inquiry is to make a authenticity investigation to see if you have defrauded loan users. For this kind of question, we must answer truthfully, and we can't resort to deceit.
Step 2 ask about the overdue situation
The borrower's overdue situation is directly related to his credit, and the lending institution will judge whether his credit is good by asking the borrower's overdue situation. If there is no overdue record, just answer truthfully. If there are overdue records, as long as the borrower makes a reasonable explanation for the overdue behavior, there is generally no such stain as malicious breach of contract, and the bank will relax the requirements and will not affect the borrower's loan.
3. Ask about liabilities.
The borrower's debt situation is an important question asked by lending institutions. Different lending institutions have different acceptance criteria for liabilities, some are 50% and some are 70%. But no matter how much debt, it is obvious that the higher the debt, the more difficult it is to pass the loan review. Therefore, when answering this question, let the auditor have confidence in your repayment ability and clearly tell the auditor that you will pay in addition to your salary.
Other income outside.
The above is the whole content of what the loan review phone will ask, and the corresponding answers have also been sorted out. I hope you can consult more, master the conversation skills, and handle the loan smoothly when you receive the loan review call.
What questions do you often ask when you call back for a loan?
Question 1: loan purpose.
The purpose of the loan may also be asked. In general, as long as it is not used for investment, gambling, etc. , no problem.
Question 2: Basic personal information
The telephone number for loan approval is to verify the authenticity and accuracy of the information submitted by the borrower, so it is necessary to ask for personal basic information, which generally includes personal name, ID number, occupation, monthly income, nature of work unit, working years, marital status, spouse occupation, etc.
Question 3: Liabilities
The debt situation is also one of the key issues. Each financial institution has different acceptance of debt, but obviously, the more debt, the more difficult it is to apply for a loan.
Question 4: Overdue situation
Credit is the most important aspect of loans from banks or other institutions, so the overdue situation is also one of the contents that the loan approval phone will ask, such as whether you are overdue and what is the reason for overdue.
Question 5: Operation.
If the borrower is an enterprise or self-employed person who applies for operating loans, the lending institution will also ask about the company's operation on the approval phone. If the situation is good, the chances of approval will be higher.
This is the end of the introduction of loan telephone audit, and the results of loan telephone audit. I wonder if you have found the information you need?