What questions will the mortgage bank ask during the return visit?

1. What questions will the mortgage bank ask during the return visit?

Many people applied for loans, and finally they were rejected by a phone call from the bank. Although it is getting easier and easier to apply for bank loans now, banks will consider it comprehensively. In order to reduce risks, they have strict requirements for borrowers. Therefore, in order to get a loan smoothly, it is a crucial process to answer the bank's approval call. So what questions will the bank's approval phone ask, and how can we go back to get through smoothly? Please see the details below.

1. Asking for personal basic information

Generally, you will ask about your name, ID number, monthly income, occupation, nature of your work unit, years of employment, marital status, spouse's occupation, etc.

In this step, the credit examiner mainly conducts the authenticity investigation. Is the information you fill in consistent with the actual situation? In the face of these problems, we should grasp several principles: first, answer truthfully and don't cheat. Obviously, you are just an ordinary employee, not that you are a department head, you live in a shanty town, not that you live in a high-end community. These unnecessary fraudulent behaviors will not only help you, but will also be directly labeled as fraudulent loans; Second, your spouse is also helpful to your loan application. Your spouse has a stable job and supports your loan. In the telephone audit, this will add points!

Asking about overdue situation

As we all know, personal credit plays a vital role in pre-loan inspection. Even some people have earned too much, but their credit information is tainted and they will be refused loans. So how to face the cross-examination of the loan officer about the overdue situation?

Different loan products have different requirements for the strictness of credit reporting. For example, provident fund loans, some people will be rejected if they are overdue once, while other loans, such as consumer loans of a commercial bank, may be relatively loose, as long as you are overdue for no more than three times in two years and the overdue days are within 90 days. Suppose you are overdue, when answering this question, you must pay attention to actively explain the reasons for overdue. The reason is very reasonable, and small credit flaws will not affect the loan.

3. Asking about liabilities

The borrower's debt situation is also one of the key questions asked by auditors. Each financial institution has a different degree of acceptance of liabilities, some are 50% and some are 70%. But obviously, the more debt, the more difficult it is to apply for a loan, and both borrowers and lenders have formed this understanding. What about debt? Suppose your monthly income is 5000 yuan, and your mortgage and car loan total 3000 yuan. In this case, it is more difficult to apply for a loan. However, there are still some small details that can be remedied to increase the confidence of loan officers in lending. For example, you can declare your total income by family, or tell you other income besides salary.

4. Ask about the business situation

Alternative action, not everyone will encounter, only for self-employed or those who apply for business loans. If the company operates well, it will enhance the confidence of banks in lending. On the contrary, even if you have sufficient cash flow, banks will worry about your future repayment ability. However, some credit examiners hide their judgments on the business conditions of enterprises in some seemingly small-talk questions, so they must be careful when answering questions.

Mastering some conversation skills in telephone audit can improve the success rate of loans. Through the above introduction, we have some understanding of how to connect the telephone number of bank loan approval, and hope this article will be helpful to everyone's loan.

Second, excellent mortgage, what do you want to call back? How can it pass smoothly!

Just ask what to fill in the income certificate, as long as there is no mistake.

3. What questions will the mortgage bank ask during the return visit?

Generally, I will call the lender to verify the loan situation and house purchase situation, and some banks will call the unit to verify the lender's work, income and position. Keeping the phone open during the period can improve the pass rate of bank loans.

Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the application for mortgage loan to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter.

After passing the examination, the bank promises to issue loans to the buyers, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers. The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract.

20165438+the latest survey data of 2003124 October shows that according to the sample data of 10,1-132