Yes.

Home visit is the bank's re-understanding of the borrower's assets, work, income, etc., to prevent the borrower from lending in a false way.

Credit cooperatives usually pay a telephone call back. If there is any discrepancy in the telephone call back, they will make a home visit. That is, will he come home to check the loan from ICBC?

Yes.

you need to know your family income, family expenses and family property, so as to ensure that you have the ability to repay on time and the loan is risk-free.

The main purpose of home visits of bank credit loans is to verify the authenticity of the materials submitted by borrowers. Banks usually pay a return visit by telephone. If the contents answered by borrowers on the phone are different from the submitted materials. The purpose of overdue home visit by credit card

The purpose of overdue home visit by credit card is to confirm and verify identity information, and it also has the purpose of collection. Under normal circumstances, banks use the principle of "three times a week, six times a year" to deal with overdue credit cards. If credit cards are overdue for three months in a row or six months in a row, banks will carefully consider personal loan applications, and generally will not easily approve loans. If the overdue period does not reach this range, they can still successfully obtain loan approval as long as they give a reasonable explanation and provide personal credit certificates for banks to re-evaluate personal credit.

1. purpose of overdue home visit with credit card

verify the identity of the other party before going to the door! The vast majority of home visits are third-party collections outsourced by banks. At first, the other party will force the user to repay the loan on the grounds of home visit. If it is an appointment with the user, it will rarely come to the door. The real door-to-door visit is generally a "surprise attack". The Constitution protects everyone's home from infringement! If the user refuses to enter the house, the other party is afraid to enter. The user can also say that there are elderly people in the house who are in poor health. If they are stimulated, the users will bear the responsibility, and the other party will naturally converge.

Second, the credit card is overdue

1. Expenses such as overdue interest and liquidated damages are incurred. If the credit card is overdue, the interest will be calculated from the day when the card is swiped, which is generally five ten thousandths of the daily interest, and the compound interest will be calculated monthly; The liquidated damages are generally 5% of the unpaid part of the minimum repayment amount.

2. Bad credit record: after the deadline, the personal credit report will produce bad records, which will affect the future loan application.

3. Possible criminal liability: If it is overdue for a long time and the overdue amount is large, you may receive a payment reminder from the bank; If the bank still fails to repay the arrears after being reminded, it may face criminal responsibility.

To sum up, a compliant home visit is only to verify the situation, agree on the repayment time, and so on. Generally, the other party is two people, and the whole process is recorded and recorded. Some emotional netizens will say that if the other party comes to the door, it will be too extreme. If the other party is really intimidating and threatening, it is necessary to control their emotions and avoid unnecessary troubles caused by the escalation of contradictions, and just call the police directly. What does a loan home visit mean?

A loan home visit is what the organization says. Check whether your family or business information is consistent with what you provided, and confirm whether your personal qualification can meet the requirements through verification.

Credit investigation is an activity of collecting, sorting, preserving and processing the credit information of natural persons, legal persons and other organizations according to law, and providing services such as credit report, credit evaluation and credit information consultation to help customers judge and control credit risks and conduct credit management.

Credit investigation is an activity in which a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to enjoy credit information.

Extended information:

1. According to the business model, it can be divided into two categories: enterprise credit information and personal credit information:

Enterprise credit information is mainly an institution that collects enterprise credit information and produces enterprise credit products; Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products.

in some countries, these two types of business are completed by one institution, while in other countries, they are completed by two or more institutions respectively, or there are both institutions engaged in individual credit investigation and institutions engaged in both individual and enterprise credit investigation business types in a country, which are generally not restricted and are decided by credit investigation institutions independently according to the actual situation. There are three main business models of credit reporting agencies in the United States:

(1) capital market credit rating agencies, whose evaluation targets are stocks, bonds and large-scale infrastructure projects;

(2) Commercial market evaluation agencies, also known as corporate credit service companies, are targeted at all kinds of large, medium and small enterprises;

(3) The personal consumer market evaluation agency, whose credit object is individual consumers.

2. According to the clients, it can be divided into credit investigation, business investigation, employment investigation and other investigations.

The main clients of credit investigation are financial institutions to provide support for credit decision-making; Commercial credit information mainly serves wholesalers or retailers, providing support for credit sales decision-making; The main service object of employment credit information is employers, which provides support for employers' employment decision-making.

There are other credit investigation activities, such as market research, creditor's rights processing, movable property and real estate appraisal. Credit information services for different clients are completed by one institution, or in independent enterprises around the upstream and downstream of credit information institutions with databases.

Baidu encyclopedia-credit investigation