Loan face-to-face information:
Identity card, household registration book, marriage certificate (divorce certificate, divorce agreement or court judgment), temporary residence permit (expired or about to expire and not updated), work certificate (company seal application, work permit), bank memorandum, business license, academic certificate, copy of passbook, etc.
Reminder: In order to pass the loan interview at one time, it is recommended to call customer service first to find out the documents that banks need to carry when handling different types of loans (micro-loans, mortgage loans, car loans and consumer loans). If you really don't know what materials you need, you can bring all the existing documents and submit them as needed.
Bonus materials: real estate license, driving license, large policy contract, credit card and financial voucher can all provide some help for face-to-face loan and improve the success rate of loan.
Face-to-face loan signing:
1, verify personal data.
See whether the application materials submitted by the borrower are complete, whether the photo of the ID card is consistent with the person and whether the signature is consistent.
Step 2 ask about your family
Generally, the borrower will be asked how many people there are in his family, whether he is married, how many children he has, and whether his parents live together. Asking such questions in the face-to-face loan interview can show whether your burden is heavy or not, and provide some reference for approval.
3. Personal credit information
There are channels to directly check the credit records within the bank, and the staff may ask you some questions separately. For example, you have been in loans overdue for a few days, and you will ask why. At this time, as long as the sincere answer is forgotten and careless, it will not affect the loan. There are too many records of handling cards and loans, which will also have certain negative effects. It is recommended to prepare several reasonable reasons before the face-to-face signing.
4. Work and monthly income
When applying for a loan, there will be a column to fill in the work unit and income flow. If there is a big difference between your answer and the application materials when you sign in person, then the bank will think that you are suspected of fraudulent loans, so I suggest you know what you have filled in.
To sum up, the basic process of loan face-to-face signing is as follows:
Go to the bank with relevant information.
Audit materials of loan personnel
If the materials are incomplete, they will be called back.
What should I do after the loan is signed in person?
A word and so on.
After the interview, the bank will have to go through several working days of internal audit before arranging time for lending. If you fail, you will tell the result directly by SMS, so face-to-face interview is a step to verify the information, whether it is important or not. It's not important, but it's actually a crucial step. Borrowing is no small matter, as long as you put your heart into every link, there is no money you can't borrow!