Under normal circumstances, borrowers will be audited by lending institutions when making loans, and most of these audits are conducted by telephone. So what will the loan review phone ask? How should the borrower answer to get extra points? Next, I will sort out and analyze some common questions and answers, hoping to be useful to everyone and prepare for the loan review call.
What will the loan review phone ask? Specifically, there are three aspects:
1, asking about personal basic information.
Generally, it is the borrower's personal name, ID number, income, marital status, professional unit, etc. Will be asked, the bank will judge whether you have repayment ability according to these basic conditions. These contents are filled in the submitted materials. The main purpose of the second inquiry is to make a authenticity investigation to see if you have defrauded loan users. For this kind of question, we must answer truthfully, and we can't resort to deceit.
Step 2 ask about the overdue situation
The borrower's overdue situation is directly related to his credit, and the lending institution will judge whether his credit is good by asking the borrower's overdue situation. If there is no overdue record, just answer truthfully. If there are overdue records, as long as the borrower makes a reasonable explanation for the overdue behavior, there is generally no such stain as malicious breach of contract, and the bank will relax the requirements and will not affect the borrower's loan.
3. Ask about liabilities.
The borrower's debt situation is an important question asked by lending institutions. Different lending institutions have different acceptance criteria for liabilities, some are 50% and some are 70%. But no matter how much debt, it is obvious that the higher the debt, the more difficult it is to pass the loan review. Therefore, when answering this question, let the auditor have confidence in your repayment ability and clearly tell the auditor that you will pay in addition to your salary.
Other income outside.
The above is the whole content of what the loan review phone will ask, and the corresponding answers have also been sorted out. I hope you can consult more, master the conversation skills, and handle the loan smoothly when you receive the loan review call.
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.
What questions do you often ask when you call back for a loan?
Question 1: loan purpose.
The purpose of the loan may also be asked. In general, as long as it is not used for investment, gambling, etc. , no problem.
Question 2: Basic personal information
The telephone number for loan approval is to verify the authenticity and accuracy of the information submitted by the borrower, so it is necessary to ask for personal basic information, which generally includes personal name, ID number, occupation, monthly income, nature of work unit, working years, marital status, spouse occupation, etc.
Question 3: Liabilities
The debt situation is also one of the key issues. Each financial institution has different acceptance of debt, but obviously, the more debt, the more difficult it is to apply for a loan.
Question 4: Overdue situation
Credit is the most important aspect of loans from banks or other institutions, so the overdue situation is also one of the contents that the loan approval phone will ask, such as whether you are overdue and what is the reason for overdue.
Question 5: Operation.
If the borrower is an enterprise or self-employed person who applies for operating loans, the lending institution will also ask about the company's operation on the approval phone. If the situation is good, the chances of approval will be higher.
What will the loan review phone ask, and how can I get extra points?
As we all know, after the borrower submits the loan application, the bank will review the loan, and one of the links is the telephone review. People who have no loan experience don't know what the loan review phone will ask, and then they may be nervous and affect the review. Next, they will increase their knowledge and prepare for the telephone audit of loans.
The reason why the bank calls the loan review phone is to confirm whether the information submitted by the borrower is true, so the bank usually asks the borrower questions on the form, including the following aspects:
1, personal basic information
Generally, you will ask the borrower's personal name, ID number, income, occupation unit and marital status, and the bank will evaluate your repayment ability according to these basic conditions. These contents are all filled in the information you submitted. The main purpose of the second inquiry is to make a authenticity investigation to see if you have cheated on loans and exclude some customers who cheated on loans.
2. Overdue situation
In the pre-loan investigation, personal credit investigation is also the focus of bank review, and the bank will predict your repayment intention according to the credit record, thus affecting the loan approval. If there is no overdue record, just answer truthfully. For those overdue, different banks have different requirements for credit investigation. Some banks refuse to lend once they are overdue, while others are more relaxed. You only need to give a reasonable explanation for your overdue, except for the credit stain such as malicious default, which generally does not affect the loan.
3. Fuck oak parts
If you are a self-employed person or a borrower applying for a commercial loan, the bank will also ask you about your business conditions, such as loan purposes, sales, inventory and profitability. If your business situation is not good, the bank will not lend money easily. Therefore, in the phone call of loan review, in order to avoid saying the wrong thing, the borrower should think carefully before answering the question seriously.
Editor's Note: Instead of worrying about what the loan review phone will ask, let users make more efforts to provide information to ensure the authenticity of the information. If the information obtained by the bank through telephone call-back is inconsistent with the information provided by the borrower, then the borrower's repayment ability and willingness will definitely be questioned.
What will the loan repayment phone ask?
When calling for a loan, the questions commonly asked include the borrower's name, ID number, work unit and income, spouse's occupation and income, loan amount, loan purpose and whether to apply for a loan for himself.
Users can basically audit by phone as long as they answer the above questions truthfully.
If the user misses the call, the loan review will fail. Please keep your mobile phone open after applying for a loan and answer strange calls in time.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.
Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Extended data:
I. Review risks
The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.
(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.
(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.
(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments.
In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.
Second, the legal content of the pre-loan investigation
(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence.
If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.
(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans;
Examine whether there is a clear situation in registered capital flight; Past loans and repayments;
And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.
(3) Regarding the borrower's loan situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;
(4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.
Third, the borrower and its responsible person should also be specially examined. In order to reduce the moral hazard of the lender, the borrower and its responsible person should also be specially examined. When issuing loans, financial institutions should not only examine the qualifications, conditions and operating conditions of borrowers, but also strengthen the examination and control of the personal qualities of investors, legal representatives of enterprises and key management personnel.
This concludes the introduction of loan phone and loan phone. I wonder if you have found the information you need?