1. Positive answer

What I want to say here is that the absence of a return call cannot be used as the basis for loan rejection. After all, not all lending institutions will make return calls. The following points Two situations are discussed.

2. Specific analysis

1. Large-amount bank loans such as home loans and car loans

Basically, a return call will be made to verify some information of the borrower. Information, but even if you have to call, the order of return visits will be arranged according to the number of return visits that day. The specific call time is uncertain. Anyway, the borrower has not received a call at the moment. As long as he does not receive a notice of loan rejection, he can keep the phone open at all times. .

2. Loans from lending institutions such as some online loans

Most of the applications for such loans are automatically reviewed by the system, and the results are usually available within half an hour. I won't call back for a follow-up visit.

After all, there is no need to submit complicated information for this type of loan. The borrower’s basic information is filled in during the application, and as long as you submit your valid ID and bank card, there is no need to call back. Phone to confirm.

However, if the loan progress still shows that it is under review after more than half an hour, the borrower should be prepared to answer the phone.

Similarly, this phone call is also made in sequence, and generally it will not exceed 48 hours. The borrower can just wait patiently.

It should be noted that whether the loan can be successful after answering the return call, you still have to wait for the final review results.

You should also pay attention to your personal credit and do not apply for loans blindly. Otherwise, once the big data is used, if you want to apply for a loan again, your comprehensive score will be insufficient and the loan will be rejected. You can get a big data report from Xiaoqixin to clearly know your status in online loan big data. This database cooperates with more than 2,000 online loan platforms, and the data queried is relatively accurate and comprehensive.

3. What questions are asked in the telephone return interviews of online loans?

When applying for an online loan, if you receive a return call from the platform, the other party will probably ask some relevant questions based on the previously submitted information.

First of all, they usually ask: "Is this Mr./Ms. XX?" After answering "yes", you will be asked to report your ID number and mobile phone number; and then you will also be asked about your job. Unit and address, purpose of loan funds, etc.

The platform will compare the content of the answer with the previously submitted information to confirm that the submitted information is true and accurate, and also clarify the purpose of the loan. If it is confirmed that it is within the specified range of use, it will be eligible. , loan funds that have passed the review.

Be sure to keep your phone open after applying for an online loan, so as not to miss the return call from the platform, resulting in the rejection of the loan application; when answering questions raised by the platform, you must also answer truthfully. Do not deviate from the previously submitted information; at the same time, be sure to speak clearly and avoid hesitation or ambiguity.