The pass rate is still relatively high.

After you call back, it doesn't mean that the loan has passed. Lending institutions will also conduct a second audit. For example, it will know the borrower's credit status, whether there are bad credit records and personal debts in the credit report by looking at the credit report. The loan is truly successful only after it is finally approved, and whether it is approved or not will be notified.

Is it strict to pay the postal mortgage by phone?

Very strict. After receiving the loan application, the bank will usually call the lender for a return visit. The main purpose is to know the identity information submitted by the lender, confirm whether it is my application, and further investigate the income, work and specific address of the lender. The mortgage phone does not represent the first or final trial, because in many cases, the bank may make a return call.

For example, if the lender's information is wrong or missing, and the information submitted by the lender is ambiguous, the bank will also call back for detailed inquiry. If the lender's answer is really not very good, you can also talk to the credit manager, tell your own problems, and then apply to the bank for a return visit.

The telephone call-back of the mortgage can't have much influence on the final result of the mortgage application. However, if the lender often answers wrong questions and stutters when asked by the staff, the bank may suspect that the information filled in by the lender is false and did not apply for it by itself, thus rejecting the mortgage application. Therefore, when the lender receives a phone call to pay a return visit to the mortgage, it is best to answer clearly and express clearly, and ensure that the answers and submitted materials are correct. It doesn't matter if you accidentally answer a few questions wrong. After all, the phone call back to the mortgage is very messy. It is human nature to make a few mistakes occasionally, and the staff still understand.

After receiving the submitted loan application, the Postal Savings Bank will not only check the credit information of the lender, but also make a telephone call back, generally only calling the lender himself to verify the information. If I cannot be contacted, the bank may contact other contacts reserved in the loan application. The audit time of postal salary and loan is generally 24 working days, which is about 3 working days based on 8 hours per day. After receiving the phone call from the postal wage loan review, the approval result will be available within one working day at the earliest.

The call for loan return visit is only a preliminary verification of the borrower's basic information. Usually, as long as you answer the questions according to the information filled in at the time of application, the pass rate is still relatively high. However, the return visit does not mean that the loan is passed, and the lending institution will conduct a second audit. For example, it will know the borrower's credit status, whether there are bad credit records and personal debts in the credit report by looking at the credit report. Only after the final approval can the loan be truly successful, and whether it is passed or not will it be notified.

How high is the pass rate after the rural commercial bank calls to confirm whether it is my loan?

Eighty percent.

According to the information of the rural commercial bank in official website, the rural commercial bank calls back to further confirm the borrower's information, such as asking about the borrower's basic information, work situation and income. After receiving a phone call from a rural commercial bank to confirm whether I am lending, there is generally an 80% pass probability.

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.

Is it easy to get a car financing loan? Pass rate of auto finance telephone return visit

Auto financing loans are easy to pass, and the pass rate of auto financing telephone call back is divided into two types. Generally, the pass rate of car loans handled in 4S shops is 95%, while the pass rate of bank car loans will be relatively low.

General auto financing loans need to meet the following requirements.

1,/kloc-a natural person who is over 0/8 years old and has full capacity for civil conduct;

2. Have a valid ID card and a fixed address;

3. Have a stable source of income and a certain repayment ability, and be able to repay the loan principal and interest on schedule;

4. The borrower must be the ultimate owner of the vehicle, and there must be no partnership purchaser for the purchased vehicle;

5. Being able to pay the required down payment;

6, insurance and mortgage registration procedures.

There are also cases where car loans are not paid back. When the owner's qualifications are very good (belonging to civil servants, institutions, people with good personal credit records, etc.). ), he may pass the examination and approval directly and will not pay a return visit.

In fact, the telephone return visit of auto finance belongs to the initial stage of lender information verification, with the purpose of confirming basic information, verifying and supplementing the information provided by the applicant and avoiding losses.

General auto finance loan telephone call back to ask the contents are:

1. Verify the basic information such as the lender's ID number, permanent address and work unit;

2. Understand the income and marital status of the applicant;

3. Verify the borrower's family assets;

4. Confirm the loan amount, number of installments and interest rate of the lender.

In the auto financing loan review, in addition to online telephone call back, there is also a part of offline home visit review. In fact, the staff of the financial company will go to the applicant's home or workplace to investigate the specific situation. This method is mainly aimed at applicants with poor qualifications.