Not strict. After receiving the loan application, the bank will usually call the lender for a return visit. The main purpose is to know the identity information submitted by the lender, confirm whether it is my application, and further investigate the income, work and specific address of the lender.

The mortgage phone does not represent the first or final trial, because in many cases, the bank may make a return call. For example, if the lender's information is wrong or missing, and the information submitted by the lender is ambiguous, the bank will also call back for detailed inquiry.

The telephone call-back of the mortgage can't have much influence on the final result of the mortgage application. However, if the lender often answers wrong questions and stutters when asked by the staff, the bank may suspect that the information filled in by the lender is false, not its own application, thus rejecting the mortgage application.

legal ground

General principles of loans

Article 19

Obligations of the Borrower:

1. Truthfully provide the information required by the Lender (except those that cannot be provided according to the law), truthfully provide all deposit banks, account numbers and deposit and loan balances to the Lender, and cooperate with the investigation, review and inspection of the Lender;

2. Accept the lender's supervision over the use of its credit funds and related production, operation and financial activities;

3. The loan shall be used for the purposes agreed in the loan contract;

4. Pay off the loan principal and interest in time according to the loan contract;

5. If all or part of the debt is transferred to a third party, the consent of the lender shall be obtained;

6. In case of endangering the creditor's rights of the lender, the lender shall be informed in time and preservation measures shall be taken at the same time.

Fortieth loan investigation and evaluation personnel are responsible for loan investigation and evaluation, and bear the responsibility for investigation errors and inaccurate evaluation; The loan examiner is responsible for the review of the loan risk, and bears the responsibility for the review error; Lenders are responsible for the inspection and collection of loans, and bear the responsibility for inspection errors and poor collection.

Article 41 The lender shall determine the examination and approval authority of branches at all levels according to the business volume, management level and loan risk. Loans exceeding the examination and approval authority shall be reported to the higher authorities for examination and approval. Branches at all levels shall determine the risk of each loan according to the loan type, borrower's credit rating, collateral, pledge and guarantor.