You cannot go to the mortgage interview on weekends, because most banks’ main business is conducted on working days. The bank will make an appointment with the borrower for the loan. If you can’t get around to attend the interview, you can apply for a time. For extension, some outlets will consider the actual situation and agree to interview on weekends. This opportunity is rare, so the majority of borrowers learn to adjust their time and actively participate in bank interviews.
The interview times of banks in different regions are different, so you need to consult the local bank for the specific time. The bank will consider the actual situation of the borrower and choose to interview on weekends. However, borrowers need to pay attention to the fact that it is not Every bank has such conditions, so when applying for a loan, you must establish a specific time with the bank.
When interviewing at the bank, you must pay attention to your attire. You will respond firmly to every question raised by the risk control. The answer must be sufficient and comprehensive, consistent with the documents and information you submitted, so that you can get what you want during the interview. With better advantages and improved risk control, the interview process will naturally be smoother. You need to understand the issues of bank loan weekend interviews in advance to avoid causing trouble for yourself. If you find it troublesome to go to the bank directly, you can find an intermediary to handle it. I also did it through Qiandaige.com.
What should I pay attention to when applying for a mortgage?
1. If you are planning to buy a house, you need to measure your personal financial strength to see whether buying a house will bring greater pressure to you. Generally speaking, after a personal loan, the monthly repayment cannot be higher than the average salary, otherwise it will affect the normal home life. If a couple buys a house together, the stress will be reduced a lot.
2. When applying for a loan, you can choose the mode you need to apply for and see if you can use a provident fund loan. After all, the interest required will be much lower. If the provident fund base is not enough, you can choose to combine the provident fund with a commercial loan, which can also reduce some interest. In addition, the bank you choose, preferably a big bank, is more secure.
3. If you want to apply for a house purchase loan, the borrower must meet certain conditions, such as whether the borrower has a stable job, a good personal credit record, etc. If these are not met, the bank will It is very difficult to get approved. After all, banks also have to bear certain risks.
What is the bank loan process?
After the application is passed the preliminary review, you must fill in the personal loan contract + (mortgage/guarantee/credit) contract + supplementary contract, and the payment application category (autonomous/entrusted) ). After filling in the contract, the borrower and his or her spouse, the mortgage/guarantor and his or her spouse sign, and the account manager and credit supervisor sign for approval (the relevant person in charge should sign according to the authority of the authorized amount, which is usually done by the account manager). Then go through the electronic process. The electronic process should be different for each bank.