Is it troublesome to sign the bank loan face to face?

What should I pay attention to when going to the bank for an interview?

There are two kinds of normal bank face-to-face signing: one is bank loan application face-to-face signing, and the other is contract face-to-face signing.

Face-to-face loan application, generally speaking, the loan officer and the customer face-to-face sign the loan application materials, sign the authorization letter for credit inquiry, sign the loan application letter and take photos. At this time, you need to fully communicate with the loan officer, put forward your demand for the amount, interest rate, repayment time and repayment method, and bring two sets of information, one for the loan officer to check and the other for the loan officer to take away. This is mainly due to two considerations, the completeness of communication and materials (some need to verify the bank flow, prepare the key to online banking, the original contract, etc ... personal materials+business materials).

Face-to-face contract means that the loan is approved and the contract is formally signed. This kind of interview is relatively simple. Just bring your original set of materials. Don't bring relevant running water this time, just bring personal materials. This interview needs to check whether the approval content is consistent with the loan signing contract. Ask about the specific arrival time, print the repayment record, and ask about the repayment time and amount.

Will the interview with the mortgage bank be very detailed?

Banks are strict in reviewing mortgage loans and need customers to provide a series of information such as income proof, bank running water and credit report. And when customers provide information for face-to-face interviews, banks will also ask customers some questions, which are more detailed.

Common problems are the marital status, job and income of the lender. In addition, some banks will verify the bank flow provided by the lender, such as randomly specifying the salary income of a certain month and asking the lender to open the mobile banking to see if it is true. Generally speaking, the questions asked when signing the mortgage will be very careful.

Bank interview:

Face-to-face signing at the bank refers to the procedure that when buying a house loan, the borrower (together with the repayment person or guarantor) brings the legal and valid original certificate, seal and the loan expenses to the loan bank to pay the loan expenses, and then interviews and signs. When you apply for a loan, the bank will ask you (sometimes your spouse or even the owner is present) to explain your rights and obligations in the loan in front of the bank lawyer or credit manager, and sign the bank loan agreement, commonly known as "face-to-face signing".

In the sale of real estate, after the buyers and sellers sign the sales contract, the buyers who need to apply for loans need to apply for loans from the bank. Sign a preliminary agreement with the bank to buy a house and fill in the information. After the contract and invoice are ready, the bank will review the information and then ask for an interview. When applying for a loan when buying a house, you need to pay more attention to some precautions when signing in the bank to avoid unnecessary trouble:

1. proof of income: affixed with the official seal of the company or the seal of the human resources department. Nothing can change. The proof of income must ensure that the monthly payment is more than twice, otherwise the loan amount will be affected. If the income is not enough, you can increase borrowers. If there are other loans that have not been paid off, the income certificate must be more than twice the sum of the monthly repayments of all outstanding loans before it can be approved.

2. Married: Both husband and wife should be present, with household registration book, marriage certificate, education certificate, income certificate, running water, copy of business license, official seal (not required for state-owned enterprises, institutions and Fortune 500 companies), bank card, etc.

3. Unmarried words: ID card, household registration book, education certificate, income certificate, running water, copy of business license with official seal (not required for state-owned enterprises, institutions and Fortune 500 companies), and bank card.

4. If it is a second suite, you need to provide 1 the title certificate and loan contract (settlement certificate) at the time of purchase.

5. Online signing contract: At present, it is necessary for all banks to review online signing contracts, so online signing contracts must be provided. The bank approves the loan amount according to the principle of lower house appraisal value or online contract price.

6. It should be reminded that you must confirm the liquidated damages for early repayment with the bank.

Do I need to apply for a bank loan in person? How long is the credit report valid?

Do I need to apply for a bank loan in person?

When applying for a loan from a financial institution, an interview is required. Face-to-face signing is a crucial process in the process of loan. During the face-to-face signing, the bank will inform the lender of the specific loan matters and further investigate the lender. If the lender does not go to face-to-face signing, financial institutions generally will not make payment. Therefore, once the customer receives the notice of face-to-face signing from the commercial bank, it is necessary to complete the face-to-face signing within the time stipulated in the contract. If there is no accident during the face-to-face signing, there will generally be no problem with the loan, just waiting for the bank to lend money.

What should I pay attention to in the loan interview?

1. Provide proof of income flow and funds.

Stamp the official seal of the unit or personnel department. No modification will occur. Personal income certificate should be guaranteed to be more than twice the monthly payment, otherwise it will endanger the loan credit limit. If the income is insufficient, you can increase the number of lenders. If other loans are not settled, the personal income certificate must be more than twice the total monthly repayment amount of all outstanding loans before approval.

The main purpose of face-to-face signing of financial institutions is to evaluate the repayment ability of lenders from beginning to end. It has certain economic ability and stable income, which proves that financial institutions can distinguish the repayment ability of lenders. Among them, providing marriage certificate and household registration book is the main premise to distinguish repayment ability. If you divorce, you need a divorce certificate.

2. Provide personal credit report.

Compared with financial institutions, the personal credit investigation of loan face-to-face signers is a necessary step. Whether buying a house or other loans, you need to check the lender's credit information. If you are married, you need to check the credit information of both husband and wife.

3. Provide proof of stable work unit.

Providing a stable work unit certificate or labor contract is a material that the lender must carefully prepare. In addition, in view of the running water of financial institutions, the requirements of financial institutions are confirmed by running water that lasts for 6 months.

4. Bring all valid certificates and materials.

There are relevant information when signing the contract, and the general loan will be informed in advance. ID card household registration book, scanned ID card, payroll, my interview report, etc.

How long is the credit report valid?

Generally speaking, the validity of a personal credit report cannot exceed two weeks. Of course, it depends on the regulations of the lending institution. In order to maintain the credibility of personal credit report as much as possible, customers should try not to print the credit report too early, and then print it if necessary. Customers can also print their own credit reports in the People's Bank of China or its authorized banking industry. Customers can print personal credit reports twice a year for free. If the frequency exceeds, they have to pay, which users must pay attention to.

How to read the credit report

1. Personal information, including name, fetal sex, age, work unit, mailing address and other data used to identify personal information.

2. Bank information, which records the business status of each credit card and loan in detail, actually shows the historical time of the defendant's past debts.

3, non-bank information content, record the specific situation of users in the communication water and electricity payment, such as whether there is a problem with the use of mobile phones, whether there is a deduction of public utility fees, etc.

4. Questioning the record, when the defendant's personal credit information policy is different from the specific content of the problems often reflected in the report, he can express it by adding a statement and have the right to question, indicating the protection of the legitimate rights of individuals. These are effective ways to calibrate and improve the information content of credit rating agencies.