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 existence of laws.

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.

What are the general questions about loans and what questions will customers ask?

The general problem of loans is:

Personal loans, although many banks and financial institutions provide different loan products at present, as long as they are personal loans, they can be classified according to the guarantee conditions and loan purposes.

1. Guarantee conditions: it can be divided into credit loans and secured loans.

1. Credit loan is a kind of loan based on the lender's personal credit without mortgage guarantee, like many online loans in the market, such as, borrowing money, recruiting a good term loan, and bank credit loans, such as e-lease loan and e-finance loan.

2. Secured loans can be divided into mortgage loans, mortgage loans and portfolio secured loans, and certain assets are needed as collateral or guarantor.

Second, the common uses of loans are personal housing loans, personal business loans and personal consumption loans, as well as some agricultural loans and national student loans.

1. Personal housing loans: These loans are all offered by banks, including commercial loans, provident fund loans and portfolio loans. If subdivided, it can also be divided into primary housing loans and secondary housing loans.

2. Personal business loans: generally used for individual businesses, such as business owners, corporate legal persons and self-employed individuals. Can apply;

3. Personal consumption loans: There are many types, such as car purchase loans and decoration loans. Because these loans are earmarked, proof of loan use is required.

Questions that customers usually ask;

1; "Is your loan legal?"

2; "Is your interest rate high?"

3; "What are the terms of your loan?"

4; "How much can I borrow in my present situation?"

5; "Why didn't my order pass?"

6; "What if I can't repay on time?"

7; "Do you have any difficulty in getting a loan? . "

8; "Is there a longer loan?"

9; "Is your repayment period flexible?"

10; "Pay liquidated damages in advance?"

1 1; "installment repayment, can it be settled in one lump sum?"

12; "Can I still get a loan if I have a loan in the bank?"

13; "Will others know about the loan?"

14; "Can an enterprise get a loan without a license?"

These are usually questions that customers often ask.

What questions should a bank loan ask?

1. First ask what kind of loan you need to apply for, mortgage loan or credit loan;

2. If you apply for a credit loan: Do you work? How much is the punch card salary? Have you paid social security and provident fund? What is the base of social security payment? What occupation? How about credit reporting? Do you own a house or a car? Do you pay commercial insurance? Loan purpose, loan term, repayment source, age, etc.

3. If you apply for a real estate mortgage loan: is it all commercial housing? Location, area, orientation, floor, decoration, room age, etc. Do you work? How much do you earn? Loan purpose, loan term, repayment source, age, etc.

I hope my answer is helpful to you!

What questions will the loan review ask? Summarize!

When applying for a loan, there are several important links that make people nervous. The first is the big data in the first trial, which will sort out the credit behavior used by users and give suggestions on whether to pass. If you are reduced to this level, naturally there is nothing to say. The biggest concern is the credit review, so what questions will the loan review ask? I will share it with you today.

What questions will the loan review ask?

1. Credit review: Generally speaking, credit review follows the principle of "three consecutive times and six times". If it is overdue for three months or six times within one year, it is basically a legitimate refusal. However, if the user's credit situation is slightly better than that of "three consecutive tired six", when questioning the credit problem in the letter, the attitude must be sincere, indicating that it was caused by carelessness and will not be repeated in the future, so there is still a chance to pass the audit.

2. Data review: In the process of review, credit review is not only a simple check of data with users, but also likely to throw some "trap questions", such as what special buildings are there near the company? What's the boss's name and so on. If it is false information, it is easy for the other party to take it out and refuse.

3. Review of repayment ability: After the user submits the application materials, the credit review will carefully check the relevant running water. For fast-forward and fast-out running water, or questionable running water, they will definitely focus on auditing, so that users who want to create the illusion of large sums of money can easily backfire.

The above is the knowledge sharing about "what questions will be asked in loan review", hoping to help everyone. Generally speaking, only with good credit information, stable work income, true questions and a good life.

What questions should the loan ask, and what questions should the loan ask? This concludes our introduction. I wonder if you found the information you need from it?