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 will the loan review phone ask, and how can I get extra points?
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 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.
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.
What should I do if I don't receive the loan review call? What questions will the loan review phone ask?
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.
What are the problems in the telephone verification of China Merchants Bank's commercial loans?
Telephone verification of commercial loans of China Merchants Bank;
1 to confirm the information provided by the applicant and test the repayment willingness of the repayment person.
2 loan purposes, such as working capital, enterprise equipment, payment of wages, purchase of raw materials, etc. If the lender says that the funds are used for stock trading, it will not be conducive to loan review.
3 Income: The lender will be asked about his recent work and income, or how his recent business income is, and whether he has any other investments or income.
Expenditure, the key part of usual expenditure, such as mortgage, car loan or for life.
The main purpose of the loan audit call is to know the details of the lender and confirm its willingness to lend, so it is best for the lender to answer it at the first time. If you accidentally miss a call, don't worry, the auditor will call you again within 24 hours. But don't miss the call more than twice, otherwise your chances of loan success are slim, but you can call back in time to explain why you didn't receive the call.
Pay attention to the tone and attitude of answering questions and choose a quiet environment to answer after connecting the loan review phone. Every question of the auditor must be treated with caution, and the content of the answer is consistent with the application materials in order to make a successful payment. Otherwise, it means that there is something wrong with your personal integrity, and you are even suspected of defrauding loans, and the probability of being refused loans is very high.
Loan call-back calls generally ask about the purpose of the loan, personal basic information, liabilities and other information. This information is basically on the loan application materials. As long as the user answers according to the content of the materials, it can basically be audited by telephone. The content of the answer is inconsistent with the information in the data, which may lead to the rejection of the loan application.
It should be noted that don't miss the call. If you don't answer the phone for more than two times, you almost refused, indicating that you voluntarily gave up the loan. Therefore, borrowers must keep their mobile phones open. If you accidentally miss the call, you can call back, or you can call again next time if you can't get through.
The introduction of telephone audit of credit loans ends here.