What should I do if I receive a return call after applying for a loan?

Many friends who have lent money know that in order to control the post-loan risks and supervise and restrain borrowers, banks usually take the form of telephone call back. But don't think this is just a formality, which is likely to affect your loan progress ~ then I'll tell you how to deal with it!

Generally, the borrower should be happy when the bank calls back, because the first two steps have passed the qualification examination and material verification, so as long as the phone call back can be completed, the loan can be successfully obtained. But don't think this is just an ordinary telephone call back. You know, once there is any problem with this callback, the bank will make a more detailed assessment because of the crisis, and whether the loan can be successfully obtained at that time really depends on chance.

Therefore, we must pay attention to some problems when answering this kind of call.

First of all, you need to prepare the return visit materials. Generally, there will be a routine for bank calls. In the bank applying for a loan, you will often be given a return visit information in advance. If you don't have time to read or recite, take it with you, which will be safer and minimize the probability of wrong answers.

Secondly, don't be careless when answering seemingly random questions. In the process of telephone call-back, the borrower should be careful of every word of the bank's customer service, because the simple "hello" may be replaced by "hello", and the bank will have an "unreliable" cognition of you, which will affect your loan success rate. Therefore, those seemingly meaningless questions and answers must not be ignored. You must think clearly before answering, and of course, don't delay too long.

Furthermore, it is polite to hang up for a while. If you have something to do, or you are too nervous because you can't think of some questions, then you can find a reason to hang up first. What can I say at this time? Hang up now, please call back later. You must never say that, because the bank will think that you have no sense of time and are not polite enough. It is better to add reasons to excuses, such as "in a meeting" and "bad signal". Paying attention to time will leave a better impression on the bank and be more polite.

Details determine success or failure. I hope you won't lose the chance of a smooth loan because of this.