How often do you check the post-loan management?
After consulting the bank staff, I learned that the number of inquiries about post-loan management is not fixed. Banks will randomly check some loan users and check their personal credit reports. Some users may be spot-checked several times a year, and some users may be discovered only once every three or four months.
After lending money every month, the bank will not manage the loan users. Sometimes they spot-check a group of loan users every month, and sometimes they only check once every six months. If the personal credit information of the loan user is normal, the bank will mark the user as a quality customer, and the time for the next post-loan management will be extended.
If the bank finds that there are many loan records or overdue records on the credit information of the loan user, it may mark the user as a risk user. After that, the bank will make multiple inquiries about the credit information of the risk users. If the situation is serious, it is possible to control the risk of users' loans or credit cards.
Will the mortgage be reviewed after it is approved?
Under normal circumstances, after the user's mortgage is approved, the bank may review the credit information. Review is actually the so-called post-loan management, and most banks have the habit of managing new users once. Normal post-loan management will not affect users' loans, nor will it affect users' personal credit information.
The above is the related content sharing of "How often does the post-loan management check?" I hope it will help everyone!