1. Investigate the basic situation of the borrower. After the borrower submits the loan materials, the bank will review the borrower's materials. Understand the basic situation of the borrower and investigate the repayment ability of the borrower. Borrowers can get more information through materials. For example, whether the marital status and residential address of the borrower are true, and whether the professional information provided is true.
2. Investigate the personal credit of the borrower. Personal credit is related to the borrower's overdue repayment and whether it can be repaid on time. This is very important in the loan process. So where can I check the credit information? Banks generally know the personal availability of borrowers by querying the credit information system. If the borrower's credit record is good and there is no record of overdue repayment, then the bank will think that the borrower's personal credit is very good, so that such a borrower will not be rejected when handling the loan.
3. Investigate the borrower's personal assets and liabilities. Banks will investigate the income of borrowers and their families, the liquidity of all family assets, and whether borrowers have debts. This is mainly to understand whether the borrower has the ability to bear the repayment pressure.