What content does a bank loan review? These four points are very important!

The lowest-cost way to apply for a loan is a bank loan. Because of its high limit, low interest rate, safety and reliability, it is very popular among borrowers. Bank loans are very strict in terms of review. There are specific things you need to pay attention to. Understanding them in advance will help you prepare loan application materials.

1. Personal credit report

Credit report is very important for everyone. As long as the credit report is good, it has advantages in many aspects. Submit a loan application to the bank, and the bank You will be asked to check your credit report. If your credit report has overdue records of three to six in a row, it will easily be denied a loan, commonly known as being put on the "blacklist", so you should always maintain your credit. Freshly graduated college students can try to apply for a credit card. , repaying your debt on time can accumulate a good record, which will help you apply for loans in the future.

2. Income certificate

Income certificate is a very important review material because it can ensure the borrower's repayment ability. The bank's loan limit is also determined based on the income certificate and bank statements. Yes, generally speaking, if there are no other liabilities, the down payment amount is about half of the monthly income. You can issue it within the company and stamp it with the official seal.

3. Bank statements

The bank will review the bank statements. Many problems can be seen from transfer records, collection records, expenditure records, etc. If the expenditure is much greater than the income, it means consumption. Li Gao, if there is no income, it means that the financial situation may be very bad, and there is a suspicion of sitting on nothing. Then analyze it in combination with other application materials.

4. Personal information

Generally speaking, people aged 25-40 are more popular, followed by 18-25 and 40-50, freshly graduated college students and divorced people. It is difficult for retirees to apply for large loans. They are all people with poor repayment ability and can use other methods of loans. In the eyes of banks, married people are more stable than single people, and it is easier for married people to obtain loans. Borrowers' occupations, such as civil servants, teachers, doctors and employees of Fortune 500 companies, have higher and more stable incomes.

The above is the content that most bank loans will review. It is recommended that you submit and do your homework before applying, such as checking credit reports, moving bricks in advance, etc., which will help improve the success rate of loan application.

What factors do banks generally examine when reviewing personal loan applications?

Generally, banks will consider the borrower’s personal family situation, personal credit report, income level, debt situation, and The number of housing loans under their name will be reviewed.

1. Personal family situation

Personal information, including the applicant’s personal information, family information, age, etc., needs to be verified by the bank. The age of the borrower will affect the loan term and loan amount to some extent.

2. Personal credit information

When a bank approves a loan, personal credit record is very important. For example, daily phone bills are in arrears, utility bills are in arrears, credit card repayments are overdue, etc. It will leave a stain on your personal credit record. When the bank reviews your personal credit report, if your personal credit report is very poor, it can directly lead to denial of loan.

3. Income level

Your income level is reflected in your income certificate and bank statements. Your income directly determines whether you can obtain adequate loans. The loan amount, loan term, and monthly payment are interrelated and affect each other. If your income is insufficient and you cannot repay the monthly payment, the bank will not approve the loan.

2. Under what circumstances will a loan application be rejected?

Using false information to apply for a loan is fraudulent. People with very poor personal credit will be denied a loan. The age of the lender may also affect a business loan application. Banks generally do not accept loan applications because the borrower is too old.

1. Bad personal credit record

In principle, banks can refuse to lend if there are six overdue records three times in a row within two years. Overdue records include credit card repayments, mortgage repayments, car loan repayments, etc. Overdue records will appear on your credit record.

2. People who provide false information

When applying for a commercial loan, if the applicant submits false information, the bank will reject the loan once the information is found to be untrue. No matter how good your personal credit record is, it cannot save you.

3. It has the nature of loan fraud.

Fraudulent loans refer to inflating the loan amount when applying for a loan, which will increase the loan risk of the bank lending institution and will be regarded as fraudulent loans.

For example, a house worth 3 million, a loan from a brother, a price of 3.3 million, a fictitious transaction, and a loan. There are also unrelated relationships and fictitious transactions that increase the loan risks of banks and other lending institutions, which are also considered fraudulent loans.

4. The lender is older.

Usually banks stipulate that applicants are between 18 and 65 years old, of which 25 to 40 years old is the most popular group of banks, followed by 18 to 25 years old, 40 to 50 years old, and 50 to 65 years old. Home loan applications are generally not approved. Because the older the borrower is, the greater the chance of health problems, which will affect the repayment of the loan, so the bank has to bear higher risks.

What is generally reviewed for loan review? These are the most important!

Now, whether you go to a bank for a loan or get a loan through a mobile phone app, you need to be reviewed. The review time ranges from a few minutes to a few days. In addition to the borrower's personal identity information, the credit report is important. Audit objects, so what exactly will be audited? Let’s find out together.

Loan records for one or two years

The credit report will contain the borrower’s detailed personal information and loan records, and banking financial institutions will focus on reviewing six aspects. The first is the lending institution, the second is the total amount of the loan, the third is the type of loan, the fourth is how many loans are currently outstanding, the fifth is the amount of the loan that needs to be repaid each month, and the sixth is the overdue status of the loan.

From the above, we can see the debt ratio of the borrower and whether the repayment pressure is high. From this, it can be judged whether the borrower has sufficient repayment ability to avoid subsequent loans due to too much pressure. Unable to repay.

2. Credit card records

Information such as application, installment, overdue, and rejection can all be reflected in the credit report. The bank mainly looks at the current number of credit cards held, the number of credit cards Total overdraft, credit card overdue status, etc.

It is recommended that you don’t apply for too many credit cards. About 2-5 is more appropriate. Too many will inevitably lead to the suspicion of cashing out or using cards for cards. Then it will be more difficult to get approved if you apply for other businesses.

3. Personal information

Banking financial institutions will collect personal information such as name, education, date of birth, age, home address, contact information, marital status, workplace and telephone number, education , Compare the spouse’s information with the loan application form to see if there are any false or forged aspects.

In short, in addition to comparing your personal information, the loan review will also analyze your assets and liabilities to see if you meet the loan and card application conditions. If not, you will be directly rejected.

What are the main aspects of bank loan review? Pay attention to these!

Nowadays, many people encounter financial problems and seek help from banks as soon as possible. After all, bank loans are high, fast, and have low interest rates, making them a good choice. However, the bank's review is strict, and you may be rejected if you are not careful. So what aspects does a bank loan review mainly look at? Mainly the following.

1. Verify personal information

The most important thing in loan review is to compare the identity information of the borrower to prevent someone from stealing the ID card to get a loan. The bank will check your name, date of birth, Mobile phone number, education background, residential address, workplace, marital status, spouse’s basic information, etc.

2. Credit transactions

This includes your credit records in bank financial institutions, including loans, credit card usage, repayment status, etc. These records are very important and are the focus of verification. The loan amount, lending institution, repayment record, overdue information and other information will affect the success rate of your loan application. You must not be overdue, otherwise you may be directly rejected.

Three consecutive and six consecutive months means overdue repayments for three consecutive months, while "three consecutive and six" refers to a cumulative six overdue repayments. If this happens, it will be extremely difficult to apply for a credit loan. You can only try to apply for a mortgage, and the overdue records must be repaired in time, otherwise it will cause a lot of trouble.

3. Credit card

Credit card is a very important financial tool. For convenience, many people will apply for multiple different credit cards and even cash out, which will also cause some problems. Sleeping cards, these habits are very bad. Not only will the debt ratio increase, but they are also extremely easy to be controlled by banks. Everyone must learn to reasonably control the number and limit of credit cards.

What does the bank review before lending

Whether the borrower meets the qualifications and conditions; whether the purpose of the loan complies with the bank's regulations; whether the amount and period of the loan applied for comply with the relevant loan methods and regulations; Whether the materials provided are complete, legal and valid.

1. From the perspective of the pre-loan step, the loan is still at the customer application end, which mainly involves the bank’s customer department, that is, the front-end department that directly markets and serves customers. The main processes include marketing, acceptance , Investigation, marketing is the process of looking for customers and discovering customers; acceptance is the process of accepting customer loan applications and initiating loan business within the bank; investigation is the process of the customer department collecting and verifying customer qualifications, situations, loan information, etc.

2. From the point of view of the loan process, the loan business in this step has been circulated within the bank, mainly involving the bank's credit review department, legal department, loan review committee (some banks have collegial committees), and lending Center, mortgage and pledge center, operating accounting department, president's office and other institutions, the main processes include review (deliberation), approval, and loan release. Review means that the credit review department conducts legal compliance and completeness review of the loan business submitted by the customer department. At the same time, review opinions and risk control measures are provided for reference by the loan review committee and bank leaders. If the loan business involves more complex legal issues, the legal department will also need to issue legal review opinions. After review by the review department, the business will generally go through the loan review meeting within the bank. (Collegial Council) discussion provides a reference for the final approver and also restricts the authority of the approver; approval means that the authorized approver of loans within the bank (usually the president within the president's office) approves the reviewed business. This step Although it is short-lived, it is actually a culmination of all the previous work. All the efforts are gathered here to get a result; lending means that the customer signs a contract in accordance with the approval requirements, implements the mortgage guarantee (the mortgage and pledge center is responsible), and the lending center makes the loan after the review is correct, and the operation The accounting department is responsible for remitting the loan to the customer's own account or entrusted payment account. At this point, the loan is completed.

3. The loan must be recovered after it is extended. After recovery, the credit process ends. This is the post-loan link. The post-loan link involves the bank's credit management department, customer department, and non-performing asset disposal. Department etc. The main processes include post-loan management, non-performing asset disposal and loan recovery. Post-loan management means that after the loan is issued, the customer department must always pay attention to the lender's situation, conduct regular post-loan inspections and deal with early warning information. At the same time, the credit management department must conduct regular system inspections and issue early warnings when abnormalities are found; non-performing asset disposal means that once the customer's loan cannot be scheduled, If the loan is repaid and becomes non-performing, then the non-performing asset disposal department must carry out collection, disposal and write-off; loan recovery means that the customer repays the bank's loan to the bank to complete the entire credit business process.