1. Face-to-face signing refers to the process that the borrower waits for the loan bank to pay the loan fee with legal and valid documents, and then carries out face-to-face signing. One of the key points of the interview is to dispel the tendency of the other party to doubt you.
When you apply for a loan, the bank will ask you to explain your rights and obligations in the loan in person (sometimes your spouse or even the owner is present) and sign the loan agreement of the bank in front of the bank lawyer or credit manager, commonly known as "face-to-face signing".
Second, what does the interview need to express?
The so-called face-to-face signing means that if the buyer needs to apply for a provident fund loan or a commercial loan from the bank after the buyer and the seller reach an intention to buy and sell, the buyer and the bank will sign a bank loan contract and other documents related to the bank loan, so that the bank can check the authenticity of the lender's identity.
Materials required for the interview:
1, commercial loan
seller
Single: ID card, household registration book, real estate license, original public housing purchase contract, registration form of central house delivery listing transaction (divorce certificate is provided at the time of divorce, and the divorce agreement explains the ownership of the property), bank card (buyer's loan bank is preferred), and I am present.
Married: both husband and wife's ID cards, household registration books, marriage certificates and public houses need the original house purchase contract, and the delivery room needs the registration form of delivery room listing transaction, bank card (buyer's loan bank) and real estate license, and both husband and wife are present (the spouse must be present, and a notarized power of attorney is required if not present).
buyer
Single: provide income certificate, ID card, household registration book, single certificate (divorce certificate/judgment/divorce agreement is required for divorce) and salary for the past six months.
Married: provide proof of income, husband and wife ID card, household registration book, marriage certificate, and the spouse must be present within six months (some banks need proof of income and running water within six months).
2. Provident fund loans
city management
Seller: ID card of the property owner, household registration book, current savings card or passbook in the name of the property owner.
Buyer: ID card, household registration book, marriage certificate, original certificate of highest education, original certificate of professional title (if not, it is not necessary).
Guo Guan
Seller: Owner's ID card, real estate license, debit card or current passbook in the owner's name. A notarized power of attorney is required if the owner is not present; The owner's spouse does not need to be present.
Buyer: ID card, household registration book, marriage certificate, as well as the labor contract, inquiry book and deposit details of provident fund required by individual units, bank card (for repayment, if not, it must be handled).
3. Don't you need a face-to-face signing for commercial loans?
See whether you apply for an online loan or an offline bank loan. Under normal circumstances, you need to sign in person, unless the loan amount is relatively small, such as borrowing money from Alipay online merchants. However, if the application amount is relatively large, you need to go to the bank to submit relevant information for review before you can lend money.
4. What is a loan interview?
Face-to-face loan means that the borrower applies for a loan at the bank and the materials pass the preliminary examination. The borrower needs to bring relevant certification materials to the designated place of the bank to sign the contract face to face. Before signing the contract, the bank staff will also ask some basic questions, including the borrower's working hours, income and credit information. After asking, the staff will conduct a second audit according to the borrower's answers and materials. Five categories of loans: 1. Normal. The borrower can perform the contract and always repay the principal and interest normally. There are no negative factors that affect the timely and full repayment of loan principal and interest. The bank is fully confident that the borrower can repay the loan principal and interest in full and on time. The probability of loan loss is 0. 2. Note: Although the borrower has the ability to repay the loan principal and interest, there are some factors that may adversely affect the repayment. If these factors persist, the borrower's repayment ability will be affected and the probability of loan loss will not exceed 5%. 3. Subprime loan, the borrower has obvious problems in repayment ability, and can't repay the loan principal and interest in full by relying entirely on its normal operating income. It needs to repay the interest by disposing of assets, financing from abroad or even implementing mortgage guarantee. The probability of loan loss is 30%-50%. 4. Suspicious, the borrower can't repay the loan principal and interest in full. Even if the mortgage or guarantee is implemented, it will certainly cause certain losses. Only because of the borrower's reorganization, merger, mortgage disposal, pending litigation and other factors, the amount of loss is still uncertain, and the probability of loan loss is between 50% and 75%. 5. Loss refers to the possibility that the borrower will repay the principal and interest for free. No matter what measures and procedures are taken, the loan is bound to be lost, or even if a small part can be recovered, its value is minimal. From the bank's point of view, it is meaningless and necessary to keep it as a bank asset in the accounts. Such loans should be written off immediately after the necessary legal procedures are fulfilled, and the probability of loan loss is 75%-65438+.