No, it's just the person who makes a phone call, that is, the contact person, who doesn't need to bear the loan responsibility. It is suggested to ask the staff clearly when you are a contact person to avoid becoming a guarantor. If you become a guarantor, you must bear joint and several liability.

In the contact column of the Personal Credit Loan Application Form filled by the borrower, the contact person of the relative is filled in, with only his name and telephone number and no other relevant information to fill in, which further proves that the "contact person" filled by the borrower is only responsible for "contact".

Disadvantages of buying a car with a loan:

The procedure is complicated: to apply for a consumer loan, the customer needs to provide a series of loan certificates. (ID card, household registration book, personal income, marriage certificate, bad credit record, and even some banks have to provide proof of personal property), the procedure is the most complicated of the three loans.

Long application time: to apply for a consumer loan, the bank can implement the loan after a period of examination and approval according to the automobile loan certificate provided by the customer and the effective right pledge or the third-party guarantee with compensatory ability.

Pay more interest, borrow money to buy insurance, and vehicle insurance must be fully insured.

How long does it take for China Bank to hand in the loan materials? Call to verify.

To apply for a personal commercial loan in China Bank, you can log in to China Bank Mobile Banking (operation path: loan-other services "application progress inquiry"), personal online banking (operation path: loan management-loan inquiry and setting-application progress inquiry) and the official WeChat account of Bank of China Weizhong Bank (operation path: microfinance-function hall-my loan "application progress inquiry") to inquire my name.

After you apply for a loan in China Bank, you need to approve the loan and complete the preconditions (such as mortgage registration) before you can lend money. As there are differences in business handling in individual regions, please consult the branch of China Bank for details.

The above contents are for your reference. Please refer to the actual business regulations.

What should I do if I get a call to apply for a loan?

Generally, after the application is submitted on the loan product page, a customer service specialist will call to review it. Therefore, it is suggested that the lender should know several questions that the credit inspector will ask when calling in advance, and make psychological preparations to improve the loan success rate.

1. Check the information in the application form (Instructions for Applicants)

The loan applicant should clearly remember the contents filled in the loan application form: personal information, work information and contact information.

And the application amount, loan term, loan purpose and acceptable monthly payment.

Note: The loan can be used for decoration, purchase of furniture and appliances, travel, further education, car purchase, wedding, self-built house and other consumer expenses. , but it is not used for risky expenses such as house purchase, investment projects, investment and wealth management.

2. Verify the company information (notice of the contact person of the applicant and colleagues)

Is the lender married? Unit full name, unit address? What department and position is the lender? Unit transaction of products? Unit landline number ()? How many employees are there in the company? How many employees are there in your department? How does the company pay wages (punch card or change)? When will the salary be paid? Is there any social security or provident fund? How do you usually have a holiday on weekends? The name of the boss of the company? Are there any landmarks near the company? Is there a subway or bus stop nearby? Is the landline wired or wireless? Can the person answering the company's landline cooperate to verify the information of the borrower and his colleagues? Are customers and their colleagues in the company?

Three. Verify family status (precautions for first contact)

Married asking for spouse information:

When to get married, wedding anniversary, children, how many children, how old are the children? When is the child's birthday and what is the zodiac? School? What school do you go to? Who cares at ordinary times?

Where are the parents of both husband and wife? About age? Where is the husband and wife's hometown? Birthdays for both parties? Each other's zodiac signs? How many brothers and sisters are there? How long have you been in Shenzhen? What is the approximate address of the other company? Current address? How long have you lived at your present address? Is there a road sign near the address? Is there a bus stop or subway nearby? Does the other party know about the loan? Do you know what the loan is for? If the lender is overdue, is it willing to bear it? Do you know the second contact? What is the relationship between the second contact and the customer himself?

Unmarried parents ask for information:

Ask your parents' names? Do parents know the applicant himself? What is the relationship with the applicant? How many brothers and sisters does the applicant have? Where are you now? What is the applicant's age, date of birth, date of birth and animal sign? Do you know the employer and approximate address of the applicant? Do you know the second relation?

Four: Understand the customer situation from the side.

Ask friends or colleagues if they know the lender? What does it have to do with it? What do lenders do? Are they married, have children, and have any bad hobbies?

Four. Common methods for checking customer information in credit review:

Deception, rhetorical questions, sometimes loan officers deliberately use fake names, fabricate names, and lie to you out of thin air, or pretend to be the relevant personnel of express delivery, credit card, insurance and real estate investment companies to ask your company address and home address deliberately. Just answer truthfully.

What does it mean to call a friend to verify the bank loan?

After verifying the information, make a comprehensive assessment of your own situation.

Just because the bank calls to verify the information does not mean that the loan will be done. After verifying the information, they will also make a comprehensive evaluation of your situation, and will give you a loan only if it meets the standards and requirements.

The bank will call to verify your loan situation, commonly known as "electric nuclear", randomly. But when the bank calls you, your answer is not appropriate, and you may refuse the loan.

What are the problems in the telephone verification of China Merchants Bank's commercial loans?

Telephone verification of commercial loans of China Merchants Bank;

1 to confirm the information provided by the applicant and test the repayment willingness of the repayment person.

2 loan purposes, such as working capital, enterprise equipment, payment of wages, purchase of raw materials, etc. If the lender says that the funds are used for stock trading, it will not be conducive to loan review.

3 Income: The lender will be asked about his recent work and income, or how his recent business income is, and whether he has any other investments or income.

Expenditure, the key part of usual expenditure, such as mortgage, car loan or for life.

The main purpose of the loan audit call is to know the details of the lender and confirm its willingness to lend, so it is best for the lender to answer it at the first time. If you accidentally miss a call, don't worry, the auditor will call you again within 24 hours. But don't miss the call more than twice, otherwise your chances of loan success are slim, but you can call back in time to explain why you didn't receive the call.

Pay attention to the tone and attitude of answering questions and choose a quiet environment to answer after connecting the loan review phone. Every question of the auditor must be treated with caution, and the content of the answer is consistent with the application materials in order to make a successful payment. Otherwise, it means that there is something wrong with your personal integrity, and you are even suspected of defrauding loans, and the probability of being refused loans is very high.

Loan call-back calls generally ask about the purpose of the loan, personal basic information, liabilities and other information. This information is basically on the loan application materials. As long as the user answers according to the content of the materials, it can basically be audited by telephone. The content of the answer is inconsistent with the information in the data, which may lead to the rejection of the loan application.

It should be noted that don't miss the call. If you don't answer the phone for more than two times, you almost refused, indicating that you voluntarily gave up the loan. Therefore, borrowers must keep their mobile phones open. If you accidentally miss the call, you can call back, or you can call again next time if you can't get through.

Does the personal loan of Shanghai Bank need to be verified by telephone?

Personal loan of Shanghai Bank should be verified by telephone. General mortgage rarely calls to verify information. If the verification information basically represents 95% success, as long as the phone is connected, a reply will be sent. Relatively speaking, there are still many credit loans-products that need to be verified by phone. If the phone is not connected well, the loan will often be refused.

This is the end of the loan telephone verification introduction, and the loan will arrive in a few days. I wonder if you found the information you need from it?