As the last step of loan application, the telephone number of credit review is just to review customer service questions and answers, and the success rate basically reaches 95%.
The audit telephone number is dialed by the company's special examination and approval department Commissioner. There are 400 calls when there are calls, and the approval calls can only be answered and cannot be dialed back. Only after missed calls
If the borrower and his contacts have installed 36 mobile phones, 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, inform the contact person to answer the phone in a different place, and the call will be disconnected after two calls.
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 and filled in by customers themselves.
2. What are the precautions for telephone audit of credit loans?
The basic conditions for Shanghai Pudong Development Bank to apply for a loan are as follows:
At least 18 years old and with full capacity for civil conduct, and the maturity date of the loan shall not exceed 70 years old;
Having a fixed residence or valid residence status in the town where the loan bank is located;
Have a legal and stable economic income, good credit and the ability to repay the principal and interest of the loan;
A house purchase contract or agreement has been signed, and a down payment of not less than 20% of the total house price has been paid, and the down payment ratio is not less than the requirements of the regulatory authorities where the loan bank is located;
Can provide a guarantee recognized by the lender.
Information to be provided:
Valid identity certificate and household registration certificate, marital status certificate and personal income certificate;
Relevant materials or documents (sales contracts, agreements or other valid documents) to confirm consumption behavior;
Down payment invoice or receipt;
Loan application form (available at the business outlets around the Bank);
Other materials required by the bank.
Third, the loan approval phone asked what should be paid attention to in these five aspects.
In order to verify the authenticity of the information, many loan platforms now have telephone return visits, which is also an important part of loan review. So what does the loan approval phone ask? Here are some introductions for everyone, and there are also some tips for answering questions.
What does the loan approval phone ask 1? Personal Basic Information Loan approval telephone is to verify the authenticity and accuracy of the information submitted by the borrower, so it is necessary to ask personal basic information, which generally includes personal name, ID number, occupation, monthly income, nature of work unit, working years, marital status, spouse occupation, etc. 2. overdue credit is an aspect that everyone is very concerned about, whether in banks or other institutions. Therefore, the overdue situation is also one of the questions that the loan approval phone will ask, such as whether you are overdue and what is the reason for overdue. 3. Liabilities are also one of the key issues. Each financial institution has different acceptance of debt, but it is obvious that the more debt, the more difficult it is to apply for a loan. 4. The purpose of borrowing may also be asked. In general, as long as it is not used for investment, gambling, etc. , no problem. 5. Operating conditions If the borrower is an enterprise or self-employed person applying for operating loans, the lending institution will also ask about the company's operating conditions on the approval phone. If the situation is good, the chances of approval will be higher. Loan approval telephone number 1 answering skills. Keep the phone open. It is best to answer the loan approval phone at the first time, and it doesn't matter if it is missed 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. Finally, don't make false reports, 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.