When reviewing the applicant's information, it is mainly to inquire about the contents in doubt, including but not limited to: my relevant credit (compared with the records in the credit information system) and the situation of my work unit (including salary income and position, etc.). ), you may also ask people in your same unit or your superior unit or subordinate unit (if you have applied for a card, the information base will ask them, if the unit is the same, the position is the same, and the income difference is big).
The borrower must meet the following conditions:
(1) has legal identity.
(2) having stable economic income, good credit and the ability to repay the principal and interest of the loan.
(3) There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.
(4) Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.
(5) There is an asset mortgage or pledge recognized by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as the guarantor.
(6) Other conditions stipulated by the lending bank.
Is it easy to review the bank loan face-to-face Will ask these questions!
Nowadays, many people will choose bank loans, and bank financial institutions have also bought many online loan products, some of which are directly applied, approved and paid online, and some products need to be applied first, and then go to the bank for face-to-face signing. So is it simple to sign the bank loan face to face? Usually ask these questions!
1. What are the problems with bank loans?
1, personal basic information
Mainly to check whether it is consistent with the application materials. By asking, you can further verify whether I have applied, such as the borrower's age, household registration, marital status, education level and so on.
2. Financial status
Learn more about personal and family income and debt, and ask about family income, property and debt.
3. Consumption situation
You may ask about your usual consumption habits, monthly consumption, commonly used loan products, etc.
4. Personal habits
Some interviewers may set up some conversation routines and ask you if you have any bad hobbies, such as fighting, drinking and gambling.
5. The purpose of the loan
Since the loan cannot be used for gambling, investment or illegal activities, it will be properly inquired.
Two. Matters needing attention in bank loan face-to-face signing
1. Don't be nervous, but be confident when answering questions from bank staff.
2, the answer must be consistent, do not exaggerate or conceal, it is recommended to check the relevant details in advance.
3, in the face of bank customer service staff, the attitude must be friendly.
4. Bring all kinds of application materials to avoid omission.
Make an appointment for the interview in advance, because the credit review departments of some banks don't go to work at noon and weekends, so try to go early.
What do loan customers need to ask when they come to face-to-face audit?
Loan customers need to ask some basic information when they come to face-to-face audit. For example, the purpose of the loan, financial proof (house or car) income proof, bank flow (repayment ability), credit report (depending on the customer's credit rating), and some basic information about the relatives of the loan customer.
Matters needing attention in loan face-to-face review:
1. When answering questions, try not to make false statements or conceal them. If it is something that has a significant impact on the loan, it must be explained to prevent unnecessary troubles in the future;
2. Be sure to relax and have a nervous expression when answering questions. The hesitation of the answer will make the bank staff suspect that there is something wrong with our information;
3. When answering the purpose of the loan, you can answer it according to the actual situation, but you must not say that it is used to invest in stock trading, otherwise you will definitely fail the loan interview;
4. When accepting the face-to-face loan review, you must be friendly, don't be antagonistic to the face-to-face loan review, and don't swear at the bank staff.
What should I ask for face-to-face loan review? Just pay attention to these points.
Many friends have no loan experience. When they get a loan for the first time, they always feel uneasy, especially when they face a trial. Many friends ask, what should I ask for face-to-face loan review? Answer this question right here.
What should I ask for face-to-face loan review?
1. Basic information of the borrower, such as age, marital status, residence, education level, etc.
2. Whether there are personal bad hobbies or criminal records, such as gambling, alcoholism, fighting, etc. ;
3, family income, property, whether there is debt now, what is the amount of debt;
4. The loan interview also asked what the loan was for, whether it was for buying a house or a car, daily consumption or production and operation;
5. If it is a secured loan, it will also ask whether it can provide a real and effective guarantee;
6 years of work, work experience, current work unit and position of the borrower.
Matters needing attention in loan face-to-face signing
1. When answering questions, try not to make false statements or conceal them. If it is something that has a significant impact on the loan, it must be explained to prevent unnecessary troubles in the future;
2. Be sure to relax and have a nervous expression when answering questions. The hesitation of the answer will make the bank staff suspect that there is something wrong with our information;
3. When answering the purpose of the loan, you can answer it according to the actual situation, but you must not say that it is used to invest in stock trading, otherwise you will definitely fail the loan interview;
What will be asked by the loan review phone, and how to answer it will add points.
Under normal circumstances, borrowers will be audited by lending institutions when making loans, and most of these audits are conducted by telephone. So what will the loan review phone ask? How should the borrower answer to get extra points? Next, I will sort out and analyze some common questions and answers, hoping to be useful to everyone and prepare for the loan review call.
What will the loan review phone ask? Specifically, there are three aspects:
1, asking about personal basic information.
Generally, it is the borrower's personal name, ID number, income, marital status, professional unit, etc. Will be asked, the bank will judge whether you have repayment ability according to these basic conditions. These contents are filled in the submitted materials. The main purpose of the second inquiry is to make a authenticity investigation to see if you have defrauded loan users. For this kind of question, we must answer truthfully, and we can't resort to deceit.
Step 2 ask about the overdue situation
The borrower's overdue situation is directly related to his credit, and the lending institution will judge whether his credit is good by asking the borrower's overdue situation. If there is no overdue record, just answer truthfully. If there are overdue records, as long as the borrower makes a reasonable explanation for the overdue behavior, there is generally no such stain as malicious breach of contract, and the bank will relax the requirements and will not affect the borrower's loan.
3. Ask about liabilities.
The borrower's debt situation is an important question asked by lending institutions. Different lending institutions have different acceptance criteria for liabilities, some are 50% and some are 70%. But no matter how much debt, it is obvious that the higher the debt, the more difficult it is to pass the loan review. Therefore, when answering this question, let the auditor have confidence in your repayment ability and clearly tell the auditor that you will pay in addition to your salary.
Other income outside.
The above is the whole content of what the loan review phone will ask, and the corresponding answers have also been sorted out. I hope you can consult more, master the conversation skills, and handle the loan smoothly when you receive the loan review call.
This concludes the introduction of the question of loan interrogation and whether the loan interrogation is illegal. I wonder if you found the information you need from it?