According to the inquiry website, mortgage credit investigation refers to the investigation and evaluation of customers who apply for mortgage loans by banks to determine the applicant's credit rating, loan amount, loan term and other information. The credit investigation of mortgage loan is a part of bank risk management, aiming at ensuring loan safety and preventing risks.
A loan survey generally includes the borrower's identity information, credit history, debt ratio, loan purpose, repayment source, etc. The loan investigation should be based on field investigation, supplemented by indirect investigation, and carried out by means of on-site verification, telephone inquiry and information consultation. On the premise of not damaging the legitimate rights and interests of the borrower and controlling risks, the lender may prudently entrust a third party to handle some specific matters in the loan investigation.