In the era of rapid development of online lending, more and more people began to borrow money through online platforms. For those who handle online loans, they will be very concerned about whether there is a return call on the online loan platform and who to look for. Today, I will help you learn more about online lending.
The return call of online loan will be made to three parties, on the one hand, the borrower himself, on the other hand, the contact person and on the other hand, the borrower's company. Most online lending platforms will call the borrower himself or his contacts or both at the same time during the audit. Only a few online lending platforms will call the borrower's company during the audit.
Many people are rejected when they apply for online loans because the return visit is not up to standard. Therefore, everyone should pay special attention to some matters when handling online loans.
Matters needing attention
1, when filling in the contact number, be sure to confirm whether the phone number is true and valid first, and never fill it in casually;
2. Before filling in the contact number or company phone number, everyone should greet the relevant personnel and get the consent of the other party;
3. In order to ensure the smooth progress of the online loan audit, the borrower, the contact person and the person in charge of the company's telephone should answer the audit call in time and actively cooperate with the telephone audit;
4. When you receive a return call from an online loan, you should answer truthfully and not resort to deceit.
Above, let me introduce to you who to call for a return visit. Generally speaking, the return call of online loans may be made to the borrower himself, his contacts and the borrower's company. In fact, many platforms do not call back now, or only call back to the borrower himself, so everyone should give priority when handling online loans.
Will the mortgage bank call the unit to verify?
After the borrower applies for a mortgage, the bank can call the borrower's unit during the audit. Banks usually select some people from the audit list to call their work units for a return visit to verify whether the information submitted by borrowers is true.
Legal basis:
People's Republic of China (PRC) Civil Code
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.
Fill in the phone number of relatives, will the loan company call to confirm?
I will. But I won't call all my relatives and take some calls to confirm.
Extended data:
Personal credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees. When banks apply for personal loans, banks have requirements on the use of loan funds. The general bank will stipulate that the loan applicant shall not use the loan funds in the production, operation and investment fields explicitly prohibited by the CBRC, and the borrower shall provide proof or statement on the use of the funds.
When a borrower applies for a personal credit loan from a bank, it is required to fill in the application form in writing and submit the following materials:
1, my valid identity document;
2. Proof of residential address (household registration book, etc. );
3. Personal professional certificate;
4. Proof of income of the loan applicant and his family members;
5. Other information stipulated by the bank.
Personal loan application conditions:
1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;
2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;
3. Abide by laws and regulations, and have no illegal acts and bad credit records;
4. Obtaining a personal credit rating above Grade A in China Industrial and Commercial Bank;
5. Open a personal settlement account in China Industrial and Commercial Bank;
6. Other conditions stipulated by the bank.
In addition to the above basic conditions, borrowers with one of the following specific access conditions are special access customers for credit loans:
(1) Senior and middle managers and senior professional and technical personnel who are high-quality corporate customers of banks;
(2) Personal assets of more than 2 million yuan (inclusive);
(3) Peony Platinum Card customers;
(4) Having held our personal wealth management account 1 year or more, and the average annual deposit balance of the account is more than 200,000 yuan (inclusive);
(5) He is a personal loan customer of China Industrial and Commercial Bank, with a loan amount of more than 500,000 yuan (inclusive) and no record of default repayment for more than 2 years (including customers whose loans have been settled).
Will the bank call me to verify the BOC mortgage application after the information is submitted? What questions will the bank ask me if you call me?
Bank of China will comprehensively evaluate the credit status and solvency of applicants and guarantors, conduct pre-lending investigation through interviews, telephone verification and home visits, and complete customer information verification. After accepting your loan application, we will examine and approve it accordingly. For details, please consult the loan handling bank of China.
The above contents are for your reference. Please refer to the actual business regulations.
Will the credit company call home for a loan?
In the case of normal loans, the mobile phone bag will not call parents and contacts. The platform obtains the phone number of the contact person mainly to get in touch with the borrower when lending. If you can't contact, contact your family.
Formal credit companies generally don't. Only when you are overdue and can't contact you, will you contact the emergency contact you originally registered. Don't call all contacts for verification, but call the lender himself for confirmation at most; I don't think so, because the loan platform will definitely remember your parents' phone number, name and home address, but it won't call to verify. The loan company will call home to verify their identity. Therefore, credit companies will not call home for loans.