1. If the information you provide is basically consistent with the information inquired by the bank in the credit information system of the People's Bank of China, and the information you provide is complete, the bank will generally not call you again to ask you anything. According to our operating habits, we will call some customers' income certificates (to check the authenticity of the certificates). According to the information you provided, your loan should be approved smoothly.
Second, for banks, they want to know your income and repayment ability through the income certificate, and of course they will review the authenticity of the income certificate. There are many ways to audit, such as whether the official seal stamped on your income certificate meets the standard, whether your income meets your position, and other ways to audit.
Third, in order to better guard against risks, some banks have to verify the authenticity of these income certificates and other materials. When verifying the income certificate, they will probably call your unit for a surprise audit. If the person who answers the phone at this time tells the bank that your income status is consistent with the relevant figures on the income certificate, then your approval will be passed!
First, the mortgage bank will definitely call to check the on-the-job income certificate. Call back related:
1. Call back mainly asks: work information, work unit, monthly salary, working years, home address, etc. , pay attention to truthfully answer;
2. In addition, the bank will also call the company's landline to pay attention to the company's answering the phone;
3. The purpose of the bank telephone call back is to confirm the authenticity of the information submitted by the borrower.
Note: If you don't receive a return call, some banks will make a second call, but it is recommended to contact the bank to explain the situation.
Second, many people will choose to cheat when issuing income certificates, because only in this way will banks think that their repayment ability is stronger and it is easier to borrow money. However, if the bank finds that your income certificate is false during the audit, it will refuse your loan at this time, or even be refused a loan for life, because the bank will think that you are a dishonest person and the consequences will be very serious.