Many lending institutions will pay a telephone call back to the applicant during the audit, which is basically the last step before lending, and it is related to whether the loan can be successfully obtained. However, many small partners are asking, what if the loan review phone is not received? What questions will the loan review phone ask? Let's answer it in detail.
The loan review is mainly to check the accuracy of the applicant's information by the lending institution, and most of them will hold talks with the applicant by telephone after the credit review. If you accidentally miss the return call of the audit, the small partner can take the initiative to call and contact, and you can start the audit as long as you show your identity information. For users who don't answer the phone for the first time, the lending institution will arrange several telephone return visits, but if they don't answer the phone for many times and don't take the initiative to contact, they may be refused loans.
What questions will the loan review phone ask? As far as we know, the loan review phone is generally used to confirm the information provided by the applicant and test the repayment willingness of the repayment person. So the questions you will ask generally involve family situation, company situation and income situation. In the telephone audit, as long as the applicant answers carefully and conforms to the content he has filled in, he will generally not be embarrassed.
remind
The phone call for loan review is the last step before the loan. Don't treat it as a form and ignore it. Many people often fall into the step of telephone call back.
Can a credit loan pass because the telephone review fails?
The credit loan passed because the audit phone failed to pass the reconsideration.
Telephone audit is very strict. In fact, the lower the entry threshold, the stricter the loan products will be in the audit process. Many bank loan products are directly applied online, and the telephone number does not need to be very large, because customers who meet the requirements of their products actually have less personal information fraud (because the credit information shows the provident fund and mortgage information), so they can directly pull it, but they can't fake it. However, products with low barriers to entry should be more strict in checking the authenticity of customer data, because there are indeed many cases of data fraud. In order to protect bad debts,
How to confirm the approval of small loans after telephone audit
The review of micro-loans is generally completed within 10 minutes, because it is a system-wide review, and the loan review will generally be completed soon. Micro-loan is a lending product launched by Tencent Weizhong Bank, with a loan amount ranging from 500,000 to 300,000 yuan. The review of micro-loans is generally completed within 10 minutes, because it is a system-wide review, and the loan review will generally be completed soon. Micro-loan is a lending product launched by Tencent Weizhong Bank, with a loan amount ranging from 500,000 to 300,000 yuan.
Telephone audit is generally to ask for personal basic information and confirm that it is the loan I applied for; If the loan is successful, you need to wait for phone confirmation, and you can get the account after phone confirmation.
1. I haven't received a call from the micro-loan audit.
1, check whether the mobile phone number entered during the audit is wrong;
You can check your phone records. If there is a number of 0755-88648320 in the missed call, you can call back directly, and the line may be busy.
3. See if the phone is set with call screening.
Second, microfinance.
Micro-loan is a credit line given by WeChat platform according to the credit situation of users, which can be directly withdrawn for use, but not everyone has it, and some areas are closed, but the micro-loan we are talking about is not a credit line given by WeChat platform, but a credit loan given to you according to your personal use of micro-loan, so the premise of micro-loan is to have micro-loan and use it normally.
Third, the basic requirements
1,18-a natural person aged 65;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
4. Good credit information.
Fourth, is the credit information on micro-loans really available?
First of all, you can clearly tell everyone that microfinance is on credit.
Microfinance will be applied at the beginning, because microfinance is a credit loan launched by Weizhong Bank and a bank loan product. After you confirm the authorization and pass the identity authentication, Weizhong Bank will apply to the central bank for credit report inquiry with "loan approval", so once you authorize, the central bank's credit report will show "loan approval".
You don't have to be too nervous about this record. Kang can tell you that although some bank employees will consider the approval records within a certain period of time during the audit, it is not a negative record.
However, if the arrears are overdue after the timely use of microfinance, "overdue" will be displayed in the credit report, which is considered as a negative credit record.
Therefore, everyone must repay on time, so as not to have a negative impact on personal credit. When using small loans, you should also have a certain understanding of your own funds and repayment ability, and use small loans reasonably to avoid having no money at hand when it expires, which will not only affect your credit information but also charge you a penalty interest, which is very uneconomical.
Of course, in credit life, in addition to using small loans and small loans overdue, there are many situations that will be reported, such as overdue credit cards, overdue mortgages, overdue car loans, and overdue guarantors who provide guarantees for third parties. Everyone should know this.
Ping an Pratt & Whitney credit loan telephone audit said that the ID card could not be seen clearly.
Ping An Pratt & Whitney Credit Loan phone audit said that the ID card could not be seen clearly, because online credit loans require your ID card to take photos before they can be loaned. You may upload photos with blurred ID cards, so that the auditors can't see them clearly. You can reopen the application materials of Ping An Pratt & Whitney Credit Loan to modify it, and upload a clear photo of your ID card, which is convenient for timely lending after quick review.
Never answer the phone like this, or loans and credit cards will be easily rejected.
Never answer the phone like this, or loans and credit cards will be easily rejected.
When we apply for many loans such as credit cards, banks and lending institutions will conduct telephone audit on loan applicants, so telephone audit is often an essential process in loan application.
Moreover, if the user has problems answering the phone during the telephone audit, it is easy to cause his credit card and loan application to be rejected.
In order to avoid being refused loans and credit card applications because of telephone audit, users must pay attention to the following points after applying for loans, so as to avoid being rejected by banks because of unqualified telephone audit later.
1. Never refuse to answer the audit call more than 2 times.
Many users have the habit of rejecting strange calls, and now smart phones will automatically block some strange calls. Therefore, if the user has recently applied for a credit card or loan, he must not reject strange calls at will, and it is best to cancel his function of shielding strange calls to avoid missing the audit calls.
If the user fails to get through the phone for more than two times or more, the general lending institution may think that the user has voluntarily given up the loan application, so the future loan will naturally not be issued smoothly.
2. I didn't really answer the phone and deliberately concealed important information.
Whether it is a loan or a credit card, you must ensure the authenticity and validity of the information you provide when applying, so the lending institution will also verify the user's information when conducting telephone audit.
If the user answers casually at this time, or deliberately conceals some information, it may lead to the information not being checked, or give the lender an impression that this person is unreliable, thus making his loan fail.
3. Never take a bad attitude when answering the audit call.
Audit telephone is mainly to check the authenticity of information provided by users, which is an important process for lending institutions to determine loan risks.
Then, if the user has a very bad attitude and rude tone when answering the audit call, it may cause the loan examiner to think that the user is not easy to contact unreasonable users, which may lead to his loan being rejected.
4. Don't expose your bad habits.
Although answering the audit phone said to ensure the authenticity of the content, users should not expose their bad hobbies, such as accidentally exposing their high-risk hobbies such as gambling, which will definitely affect their loan review.
What are the precautions for telephone audit of credit loans?
As the last step of loan application, the credit review telephone is a very important link, and lenders should pay attention to it. As long as the customer service question and answer is reviewed, the success rate can basically reach 95%.
The audit telephone number is dialed by the company's special examination and approval department Commissioner. Incoming calls are usually landline numbers, and some are 400 calls. Approval calls can only be answered, not dialed back. After missing the call, you just need to wait for another call.
If 360 security guards or other mobile phone security software are installed on the mobile phone of the borrower and its contacts, please cancel the call interception function. If the audit call is intercepted, the loan application will be invalid. At the same time, we should pay attention to the following matters:
Keep the phone open, notify the contact person to answer the call from other places, and the phone fails twice to refuse the loan.
When conducting an electronic trial, you should have a correct tone and attitude, and don't ask questions or have questions about the approver.
Electronic audit should not involve any tariff issues, and it is forbidden to mention intermediaries. It is recommended to inform the loan manager who met through friends or telephone sales.
All loan information is provided by customers themselves. The application form and power of attorney shall be filled out by the customer himself.
This is the introduction of the telephone audit of credit loans and how long after the telephone audit of credit loans. I wonder if you have found the information you need?