; ? As we all know, many online loans will have a second telephone review visit, and banks are similar. The difference is that banks need to prepare their own materials for face-to-face interviews with banks. So what questions do the loan banks ask and what materials do they need to prepare to answer?
What do loan banks ask in face-to-face interviews? Generally, they focus on the following aspects and then read on.
The problem of face-to-face signing of bank loans
I. Personal information
1, name and place of origin;
2. Personal address and work address;
3, marital status, whether to give birth.
Second, repayment ability.
1, proof of income;
2. Whether the income is punch-in income;
3. liabilities.
Third, the work situation
1, company name and company operation;
2. Whether the personal working hours are stable;
3. Work certificate.
Four. Loan details
Determine the loan purpose, loan amount and interest rate, past loan records, etc.
What materials should I prepare for the bank loan interview?
1. Married: husband and wife's ID card, household registration book, marriage certificate, temporary residence permit (foreign household registration), education certificate of both parties (high school education or above), income certificate, tap water, copy of business license with official seal (not required for state-owned enterprises, institutions and Fortune 500 companies), work permit (not required for private enterprises) and card of the bank to be signed.
2. unmarried
: ID card, household registration book, temporary residence permit (foreign household registration), education certificate (high school education required), income certificate, running water, copy of business license stamped with official seal (state-owned enterprises and institutions can provide work permit), work permit (not required by private enterprises) and bank card need to be signed in person, and the buyer must be present at the same time when additional guarantors and borrowers need to be signed in person.
Note: If the second-home loan is signed in person, the property right certificate and loan contract or settlement certificate of the first-home loan should also be provided.
Mortgage income certificate, what does the bank ask for a return visit?
1 mainly requires information such as ID card information, company information, income, contact person, and information including credit information. In short, you will not be divorced from the relevant information filled in when applying, you just need to fill in the information.
You need to be flexible when you ask about income. You can answer that the income you fill in is only work income, and how much dividends do you have in the company. In short, the income from work is only a part, and there are other kinds of income. As long as the answer is good and flexible, there is no problem.
3 ask questions related to the application materials, and everything is mainly based on submitting materials. Remember to hesitate and answer irrelevant questions.
Some people may have some overdue records in their credit information. First of all, each institution has different views on credit reporting. You can't lend if it's overdue, and it matters if it's overdue. If the lending institution has read the credit report and made a return visit, then the key lies in the answer.
If there is an overdue credit inquiry, it can be said that it was because I was away on business at some time, or the bank didn't send a reminder at that time, so I forgot it for a while, and then I returned it immediately after I knew it. I also explained to the bank that it was not a malicious repayment, but a good attitude and sincerity.
Expand knowledge:
Income proof is a kind of economic income proof that China citizens need in their daily production, life and business activities. Generally, when handling visas, bank loans, credit cards, etc. You will be asked to issue a proof of the economic income of the party concerned.
use
When applying for a credit card or handling other banking business, proof of income is an indispensable proof material.
Many people don't know what a standard income certificate is when they ask the company to issue it, which makes many income certificates unusable. It is one of the main reference contents of the initial credit limit in credit card audit, which directly reflects the repayment ability of the handling personnel.
Matters needing attention
First: Pay attention to the necessary format when issuing the income certificate.
Second: the income certificate must be stamped with a "fresh stamp", that is, the copy of the income certificate is invalid.
Third: the seal must be the financial seal or the official seal of the unit. And it must be a round stamp.
Income proof Baidu Encyclopedia
What does the enterprise loan interview ask? Summary of five core issues that must be seen before lending!
; ? At present, when enterprises apply for loans from banks, financial institutions or loan companies, they will basically go through the interview process, and many legal persons will be at a loss. In order to help enterprises improve the success rate of applying for loans, the following are five core questions in the interview. Let's know in advance.
I. Introduction of Legal Representative and Company
1. Because the legal person lends money on behalf of the company, it will ask the name, working hours, major shareholders, shareholders' shares, financial controller, etc.
2. Company introduction. Nature of the company (limited liability company, sole proprietorship enterprise, partnership enterprise), registered capital of the company, main business, industry status, main suppliers and customers, main contracts, and whether there are legal disputes.
Second, repayment ability.
Individuals and enterprises must have sufficient repayment ability, and bank interviews will also focus on these contents.
The main problems are: the main source of repayment funds, the second source of funds, cash flow, income, profit, total capital and guarantor.
Three. hostage
General corporate loans can only be handled by providing collateral, but some credit or other types of collateral are not needed, and no questions about collateral will be asked during the interview.
With these questions about collateral, what collateral can be provided, where it is, whether it is easy to be damaged, what authority is needed to use collateral, how to evaluate its value, and whether personal assets are used as collateral.
Fourth, the relationship between customers and banks.
Many banks require enterprises to open settlement accounts in their own banks and have certain business dealings, so the success rate of loans will be higher, so they will simply ask some relevant contents.
Common questions include which banks the company has business dealings with now, which banks it has applied for loans from, why it chose this bank, whether it has outstanding loans, and the amount and duration of the loans.
Verb (abbreviation for verb) loan requirement
During the interview, the loan officer will ask you about your loan requirements carefully. The loan amount and term of some enterprises do not match their qualifications, and the loan officer will suggest a more suitable scope, which can help enterprises improve the success rate of applying for loans.
The problems involved are: how much to borrow, how to calculate this value, what will be the future loan demand, and what is the purpose of the loan.
In short, the interview is a necessary process before applying for a corporate loan. Credit officers are experienced and know the loan products very well, so we should actively communicate with them and formulate the most suitable loan for them.