When you apply for a bank loan, you need to go for an interview. Face-to-face signing is a very important step in the loan process. During the interview, the bank will inform the specific loan matters and further investigate the lender. If the lender doesn't go to the face-to-face signing, the bank won't lend money. Therefore, once the customer receives the notice of face-to-face signing from the bank, he needs to complete the face-to-face signing within the agreed time. If there is no accident during the face-to-face signing, there will generally be no problem with the loan. Just wait quietly for the bank to lend money.

What should I pay attention to in the loan interview?

1, providing income flow and asset proof.

Stamp the official seal of the unit or the seal of the human resources department. Nothing can change. The proof of income must ensure that the monthly payment is more than twice, otherwise the loan amount will be affected. If the income is not enough, you can increase borrowers. If there are other loans that have not been paid off, the income certificate must be more than twice the sum of the monthly repayments of all outstanding loans before it can be approved.

The most important thing in bank face-to-face signing is always to evaluate the repayment ability of the lender. Having a certain economic foundation and a stable income flow proves to be a standard for banks to judge the repayment ability of lenders. Among them, providing marriage certificate and household registration book is an important prerequisite for judging repayment ability, and divorce certificate is needed if divorced.

2. Provide a credit report.

For banks, it is a necessary process to check the credit information of the loan signer. Whether buying a house or other loans, you should check the lender's credit information. If you are married, you need to check the credit information of both husband and wife.

3. Provide proof of stable employment.

Providing a stable work certificate or labor contract is the information that loan applicants must prepare. In addition, for the bank's running water, the bank's requirement is to prove the running water for six consecutive months.

4. Bring all certificates and related materials.

When signing, you should bring relevant information, such as advance loan notice, original ID card, copy of ID card, payroll, personal application report, etc.