Then how to answer the phone to improve the pass rate of the letter review? Is there any skill in answering the phone? We will give you some advice today.
1 Understand the content of credit review.
There's a saying in Sun Tzu's Art of War: Know yourself and know yourself, and you will win every battle. Only by understanding the content of the letter review can we answer questions more pertinently.
Generally speaking, the Committee will ask the following questions:
(1) loan purpose
The purpose of the loan must be clear, such as production, liquidity, purchase of raw materials, payment of contract money, purchase of equipment, payment of employees' wages, etc. Never say that loans are used in some bad places, such as repaying usury, helping others borrow, and so on.
(2) Work information
Including the work unit, the nature of the work unit, working years, positions, etc. ; If you are a business owner, you will be asked about the company information, including the establishment time, registered capital, legal person, main business projects, the number of employees, company address, company salary payment method (punching or discovery fee), salary payment date, bank salary, provident fund, social security, what position I am, what I am mainly responsible for, working hours, post salary, and who will answer the company landline phone?
(3) Expenditure information
Including personal expenses, family expenses, monthly expenses, etc. ; If it is an enterprise, it will ask the daily expenditure, cost expenditure and special expenditure of the enterprise.
(4) Debt information
Information related to liabilities will mainly ask about bank loans and non-bank loans, as well as other invisible liabilities (of course, invisible liabilities are generally not directly said by borrowers, so the credit review will take information by innuendo).
(5) Family information
Including spouse information: whether to get married, mainly marriage certificate, when to get married, and what year? Do you have any kids？ How old are they? How many brothers and sisters are there in the other family? The approximate age of parents and the elderly (I don't know, it may be around 50 or 60) and good health (I can answer, very good, very good, don't say that I am dying, just after surgery, which makes the loan officer feel that it will cause financial burden to the family and affect the repayment ability).
(6) Personal life information
In addition to normal information, reviews will also test your personal habits in a half-joking way. For example, what hobbies do you usually have, what activities you like, who friends you have and so on.
(8) Friends of the Lender
Do friends know what a loan is, whether they are married, have children, and have any bad hobbies (playing cards, drinking, being extravagant, doing nothing, being idle)? A friend should prove that the lender is his friend and has an honest character. He will use "maybe", "probably", "ok" and "not sure" to answer unclear questions.
2 understand the routine of credit review
Credit review is like looking at flowers in the fog. It's hard to guess what they will ask you. General credit review will not play cards according to common sense, nor will it be a routine. They will use different methods and techniques for different customers. But in general, there are still some routines that can be referenced.
For example, cheating, rhetorical questions, sometimes loan officers will deliberately cheat you with an alias, out of thin air, or pretend to be the relevant personnel of express delivery, credit card, insurance and real estate investment companies to ask for your company address and home address.
3 Check the letters correctly.
Credit review is like the Monkey King, 72 has caught people off guard. How can borrowers respond to credit review calls and improve the loan pass rate?
(1) Be objective and tell the truth.
Be sure to answer questions according to the actual situation. Don't lie casually. Sometimes you lie, and you may not even get yourself back.
(2) Never recite.
Some borrowers recite according to the instructions of some loan officers in order to cope with the phone call, which sometimes backfires. Because the risk control doesn't play cards according to common sense, you must answer their questions within 3 seconds. After more than 3 seconds, you can basically judge that there is a problem. There are also some data that are too accurate to answer, which makes the risk control feel abnormal.
(3) Be familiar with yourself
Although we don't advocate reciting, borrowers must be familiar with their own business and don't ask questions. After applying for a loan, you can sort out your own situation, keep in mind your work, occupation, real estate, income and other contents, and try not to answer irrelevant questions, which will affect the smooth passage of the loan.
(4) Maintain telephone communication
When filling out the application form, you must leave your mobile phone number so that you can answer the phone at any time. Do not turn it off or stop. If you don't have time to answer the phone, be sure to call back as soon as possible to let the credit judge know that contacting you is smooth. Another thing to be reminded is that when applying for a loan, it is best to turn off the phone interception software on your mobile phone for a few days to avoid being intercepted by credit calls.
(5) Attitude must be correct.
You must have the right attitude when answering the phone. Never argue with the letter trial, let alone the letter trial. Try to match the gentle letter review and make them feel that you are easy to control.
In fact, there are many questions about the credit phone, many of which will not be asked directly, but will be understood from the side, so as to better test the authenticity of your information and your repayment ability. It is not difficult to solve this problem. Answering truthfully, avoiding unfavorable factors and being gentle will naturally leave a good impression on people.