Will the car loan call back the applicant or immediate family members?

The car loan phone will call the person who applies for the loan. After submitting the car loan application to the financial institution, the person in charge of the audit will call back to confirm the validity of the car loan. Don't underestimate this return visit. If you don't pay attention to it, it is likely to affect the approval of the loan. It is best to make preparations in advance. The contents of the loan telephone return visit generally include:

1. Confirm the identity information of the borrower, and know the ID number of the borrower, etc.

2, the borrower's family income, understand the borrower's repayment ability;

3. The borrower's family property status;

4. Understand the degree of satisfaction with car loan business;

5. others.

Call back, be sure to answer truthfully. Return visit is a very important part in the audit of financial institutions, which accounts for a large proportion in the customer score and will directly affect the smooth approval of automobile mortgage. It is important to call back. The reason why the bank called back was to confirm the authenticity of the information submitted by the borrower. If the information obtained by the bank's telephone call back is inconsistent with the information provided by the borrower, then the bank will definitely question the borrower's character and situation, from the bumpy road to the failure of the loan.

General Rules for Loans of the People's Bank of China Article 17 Enterprises (institutions), legal persons, other economic organizations, individual industrial and commercial households or China natural persons with full civil capacity approved and registered by the administrative department for industry and commerce.

The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:

(a) has the ability to repay the principal and interest of the loan on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made.

Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments.

3. basic account or general deposit account has been opened.

Four, except for limited liability companies and joint stock limited companies stipulated by the State Council, the accumulated amount of overseas equity investment shall not exceed 50% of its total net assets.

Verb (abbreviation of verb) The borrower's asset-liability ratio meets the requirements of the lender.

Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.