After handling the car loan, the owner will receive a return call from the bank. Some car owners are very worried that the loan will pass after it is returned by the bank. Obviously, they don't know much about the performance of car loan return visits. Let's explain the pass rate of car loan telephone return visit.
First of all, the first thing we need to figure out is what the car loan phone number is. Car loan callback actually belongs to the initial stage of lender information verification, which is a necessary workflow in the initial stage, which means whether you meet the loan conditions has not yet been determined. The bank calls you for a car loan return visit. The main purpose is to confirm the basic information to you, verify and supplement the information you provided, and avoid losses.
When you receive a call to pay a return visit to the car loan, as long as the information you submitted is true, it is not far from the approval of the car loan. But you still need to decide the approval result according to your own situation. It is understood that the pass rate of 4s car loan is 95%, and the pass rate of bank loan car purchase is relatively low.
General car loan return visit query is as follows:
1. Verify the basic information of the lender. Generally, it includes ID number, permanent address and work unit.
2. Understand the income and marital status of the borrower.
3. Verify the borrower's family assets, including real estate, vehicles and other information.
4. Are you satisfied with the service during the loan process?
5. Confirm the borrower's loan amount, number of installments and interest rate.
We don't need to be nervous when we receive a call from the bank to pay a return visit to the car loan. We just need to explain according to the actual situation. Return visit is very important in the process of loan preliminary examination, which directly affects the subsequent approval. Therefore, after applying for a loan to buy a car, you should prepare relevant information in advance, and it is just as well to be prepared. In addition, I will usually be informed after the car loan is passed. If I am not at ease, I can also call the corresponding institution or bank for consultation.
Add some situations that may lead to the failure of approval:
(1) If there are too many overdue records or too many debts of one spouse, approval may not be granted.
(2) It is also possible to submit false information to prove that the loan has been issued and suddenly recovered.
(3) If the debt exceeds 50% of the vehicle price, the approval may not be passed, or there are other records of excessive debts.
What if the car loan fails?
If the loan is not approved for our own reasons, the deposit should be refunded. Generally speaking, 4S stores have related processes, so just follow the process. However, if you can't apply for a loan because of your own credit information, under normal circumstances, the deposit will not be refunded, and you can negotiate a refund with the 4S shop.
What if the car loan application is unsuccessful?
If the car loan application is unsuccessful, the customer can first inquire about the reasons for refusing the loan. If the information provided is insufficient, the customer can supplement and improve the information before applying for a trial.
And if it's because you missed the return call from the bank or lending institution, the customer can call back and reapply.
Also, if the personal debt ratio is too high, customers can pay off part of the debt first, and then apply after the personal debt ratio drops.
However, if there are problems with personal credit, such as overdue records in the credit report, in this case, customers may not be able to apply again in a short time, and most applications will be rejected. It is recommended that customers pay off their debts first, and then maintain good credit and improve the credit of their accounts. Wait until the new good record covers the old bad record before applying for a car loan.
If it is because of their average economic conditions and repayment ability, then customers can try to find a person with good credit or a professional guarantee company to guarantee their loans, which can improve the chances of loan passing.
What should I do if I don't receive a return call when applying for a car loan?
There are many channels for handling car loans. If you don't receive a call back, the handling method is as follows:
1. It is recommended to keep the mobile phone communication normal and not turn it off casually. Lending institutions generally pay a return visit.
2. If the caller ID is a fixed telephone, it is recommended to call back to understand the situation.
3. Take the initiative to contact the institution applying for the loan, inquire about the loan situation and make an explanation.
Extended data
1. Buy a car through a bank loan, with a moderate loan interest rate and a variety of cars to choose from. However, in the process of handling loans, it actually takes time and energy. In order to control risks, banks usually spend a long time reviewing and require applicants to submit a lot of information.
2. Credit cards don't charge interest by installment, which is also the biggest advantage of buying a car by installment. Banks can also enjoy certain discounts when they cooperate with car dealers. There is a handling fee for credit card installment. The longer the installment time, the higher the handling fee rate.
3. The application threshold for buying a car through an auto financing company is not high. As long as consumers have a certain repayment ability and pay the down payment, they can apply for a loan. In addition to the loan interest fee, there are a series of fees such as handling fees.
4. Buying a car through a loan from a small loan company has a low threshold and unlimited car selection, and the rate is higher than that of a bank. The loan method and repayment method are more flexible, and the approval is slightly faster than that of banks.