At present, when enterprises apply for loans from banks, financial institutions or loan companies, they will basically go through the interview process, and many legal persons will be at a loss. In order to help enterprises improve the success rate of applying for loans, the following are five core questions in the interview. Let's know in advance.
I. Introduction of Legal Representative and Company
1. Because the legal person lends money on behalf of the company, it will ask the name, working hours, major shareholders, shareholders' shares, financial controller, etc.
2. Company introduction. Nature of the company (limited liability company, sole proprietorship enterprise, partnership enterprise), registered capital of the company, main business, industry status, main suppliers and customers, main contracts, and existence of laws.
Second, repayment ability.
Individuals and enterprises must have sufficient repayment ability, and bank interviews will also focus on these contents.
The main problems are: the main source of repayment funds, the second source of funds, cash flow, income, profit, total capital and guarantor.
Three. hostage
General corporate loans can only be handled by providing collateral, but some credit or other types of collateral are not needed, and no questions about collateral will be asked during the interview.
With these questions about collateral, what collateral can be provided, where it is, whether it is easy to be damaged, what authority is needed to use collateral, how to evaluate its value, and whether personal assets are used as collateral.
Fourth, the relationship between customers and banks.
Many banks require enterprises to open settlement accounts in their own banks and have certain business dealings, so the success rate of loans will be higher, so they will simply ask some relevant contents.
Common questions include which banks the company has business dealings with now, which banks it has applied for loans from, why it chose this bank, whether it has outstanding loans, and the amount and duration of the loans.
Verb (abbreviation for verb) loan requirement
During the interview, the loan officer will ask you about your loan requirements carefully. The loan amount and term of some enterprises do not match their qualifications, and the loan officer will suggest a more suitable scope, which can help enterprises improve the success rate of applying for loans.
The problems involved are: how much to borrow, how to calculate this value, what will be the future loan demand, and what is the purpose of the loan.
In short, the interview is a necessary process before applying for a corporate loan. Credit officers are experienced and know the loan products very well, so we should actively communicate with them and formulate the most suitable loan for them.
What questions should a bank loan ask?
1. First ask what kind of loan you need to apply for, mortgage loan or credit loan;
2. If you apply for a credit loan: Do you work? How much is the punch card salary? Have you paid social security and provident fund? What is the base of social security payment? What occupation? How about credit reporting? Do you own a house or a car? Do you pay commercial insurance? Loan purpose, loan term, repayment source, age, etc.
3. If you apply for a real estate mortgage loan: is it all commercial housing? Location, area, orientation, floor, decoration, room age, etc. Do you work? How much do you earn? Loan purpose, loan term, repayment source, age, etc.
I hope my answer is helpful to you!
What do loan banks ask in face-to-face interviews? These problems must be mastered.
As we all know, many online loans will have a second telephone review visit, and banks are similar. The difference is that banks need to prepare their own materials for face-to-face interviews with banks. So what questions do the loan banks ask and what materials do they need to prepare to answer?
What do loan banks ask in face-to-face interviews? Generally, they focus on the following aspects and then read on.
The problem of face-to-face signing of bank loans
I. Personal information
1, name and place of origin;
2. Personal address and work address;
3, marital status, whether to give birth.
Second, repayment ability.
1, proof of income;
2. Whether the income is punch-in income;
3. liabilities.
Third, the work situation
1, company name and company operation;
2. Whether the personal working hours are stable;
3. Work certificate.
Four. Loan details
Determine the loan purpose, loan amount and interest rate, past loan records, etc.
What materials should I prepare for the bank loan interview?
1. Married: husband and wife's ID card, household registration book, marriage certificate, temporary residence permit (foreign household registration), education certificate of both parties (high school education or above), income certificate, tap water, copy of business license with official seal (not required for state-owned enterprises, institutions and Fortune 500 companies), work permit (not required for private enterprises) and card of the bank to be signed.
2. unmarried
: ID card, household registration book, temporary residence permit (foreign household registration), education certificate (high school education required), income certificate, running water, copy of business license stamped with official seal (state-owned enterprises and institutions can provide work permit), work permit (not required by private enterprises) and bank card need to be signed in person, and the buyer must be present at the same time when additional guarantors and borrowers need to be signed in person.
Note: If the second-home loan is signed in person, the property right certificate and loan contract or settlement certificate of the first-home loan should also be provided.
What do loan customers need to ask when they come to face-to-face audit?
1. What loan customers need to ask when they come to interview and review is: some basic information of customers. 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. The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." Loan security is the primary problem faced by commercial banks; Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without losing ground, so as to meet the needs of customers to withdraw deposits at any time; Efficiency is the basis of sustainable operation of banks.
What did the mortgage bank ask in person?
During the bank interview, the staff will generally ask the following related contents:
1, family members;
2. Monthly income and monthly expenditure;
3. Personal credit information;
4, engaged in working years, jobs.
When the mortgage is signed face to face, the bank mainly reviews the following points:
First, the prerequisite for judging repayment ability: marital status.
1. If married, both husband and wife should be present and provide the original marriage certificate and household registration book;
2. Divorce requires a divorce certificate.
Because the bank judges the borrower's family repayment ability and housing situation by family as a unit when lending money, and determines the loan amount and loan interest rate by this, the marital status of the borrower is an item that the bank must check.
2. Proof of repayment ability: proof of income and bank running water.
When the mortgage is signed face-to-face, the borrower's income certificate and bank running water are also key audit items, because these two items reflect the borrower's repayment ability. Generally speaking, the monthly income is greater than or equal to the monthly mortgage payment X2. If the borrower is repaying other loans, the monthly income is required to be greater than or equal to (monthly mortgage payment of existing loans) X2.
Third, stable work: a copy of the company's business license.
A copy of the company's business license, which shows that the lender has a stable job, must be stamped with the company's official seal. However, if the borrower works in a state-owned enterprise or institution, he can only provide a work permit or employment certificate.
Four. Determine the loan amount and interest rate: the current housing situation.
If you apply for a loan to buy a second suite, you need to provide the real estate license and loan contract for the first purchase. If the first suite has repaid the loan, it is necessary to provide a loan settlement certificate.
Because housing ownership directly affects the number of housing units, loan amount and loan interest rate of borrowers applying for second homes.
Verb (abbreviation of verb) personal credit label: credit report
When the bank signs face-to-face, it will check the credit information of both husband and wife on a family basis. Some banks will check the borrower's family's loan records within five years and credit card records within two years, and some banks will check the time range more widely. Due to different banking policies, the difficulty of reviewing credit information will be different.