1. In order to prevent false mortgage loans, telephone verification is not a channel to ask for proof of your income, and sometimes it is just by the way. The proof of income is whether the proof of income and bank flow provided by you during the investigation are true and credible.
2. If the income of the borrower is verified by telephone, can his number prove his income?
3. Telephone verification of mortgage is one of the necessary processes.
4. Mainly check the authenticity of the house sale: such as the location, size and purchase amount of the house ... Sometimes you can't ask personal data questions, such as income units. , mainly to prevent someone from handling fake purchase contracts.
2. What questions will the mortgage bank ask when it calls back?
The phone call of the mortgage bank will ask the following questions casually: 1. Confirm whether the company has employees, which is an inevitable problem for banks to call; 2. Banks generally ask individuals about their company and specific working years; 3. The bank will ask the individual about his position in the company and the specific work of this position; 4. The bank will ask about personal income, and at the same time ask about the specific classification of personal income; 5, the bank loan call back, but also ask the questions on the form filled out by the individual to confirm whether it is true. Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest. The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank. The loan object should be a natural person with full capacity for civil conduct. The borrower must meet the following conditions at the same time: 1, with permanent residence in the town or valid residence status; 2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan; 3. There is a purchase contract or agreement; 4, do not enjoy the purchase subsidy to not less than 30% of the total price of the purchased house as the down payment for the purchase; 30% of individuals who enjoy housing subsidies are down payment for housing purchases; 5. There are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors; 6. Other conditions stipulated by the lender.
Third, the mortgage income certificate, what does the bank ask for a return visit?
1 mainly requires information such as ID card information, company information, income, contact person, and information including credit information. In short, you will not be divorced from the relevant information filled in when applying, you just need to fill in the information.
You need to be flexible when you ask about income. You can answer that the income you fill in is only work income, and how much dividends do you have in the company. In short, the income from work is only a part, and there are other kinds of income. As long as the answer is good and flexible, there is no problem.
3 ask questions related to the application materials, and everything is mainly based on submitting materials. Remember to hesitate and answer irrelevant questions.
Some people may have some overdue records in their credit information. First of all, each institution has different views on credit reporting. You can't lend if it's overdue, and it matters if it's overdue. If the lending institution has read the credit report and made a return visit, then the key lies in the answer.
If there is an overdue credit inquiry, it can be said that it was because I was away on business at some time, or the bank didn't send a reminder at that time, so I forgot it for a while, and then I returned it immediately after I knew it. I also explained to the bank that it was not a malicious repayment, but a good attitude and sincerity.
Expand knowledge:
Income proof is a kind of economic income proof that China citizens need in their daily production, life and business activities. Generally, when handling visas, bank loans, credit cards, etc. You will be asked to issue a proof of the economic income of the party concerned.
use
When applying for a credit card or handling other banking business, proof of income is an indispensable proof material.
Many people don't know what format the standard income certificate is when asking the unit to issue it, which leads to many income certificates being unusable. It is one of the main reference contents of the initial credit limit in credit card audit, which directly reflects the repayment ability of the handling personnel.
Matters needing attention
First: Pay attention to the necessary format when issuing the income certificate.
Second: the income certificate must be stamped with a "fresh stamp", that is, the copy of the income certificate is invalid.
Third: the seal must be the financial seal or the official seal of the unit. And it must be a round stamp.
Income proof Baidu Encyclopedia