What questions did the car loan interview ask?

What does the bank ask about buying a house?

Bank staff mainly ask customers about their work income and family members. They will carefully check the bank flow provided by customers, review the customer's personal credit report and evaluate the value of the purchased house. Only after confirming the customer's good credit and ability to repay the loan principal and interest on time will the bank approve it, and then the customer will sign a loan contract with the bank and go through the mortgage and other related procedures, and the bank will lend money for the customer. And customers must truthfully answer the bank's questions when they sign the face-to-face, and never exaggerate the ingredients.

Otherwise, once the bank finds that the information provided by the customer is inconsistent with the real situation, it may suspect that the customer defrauded the loan, resulting in the failure of approval, and the bank will not approve the loan.

Face-to-face signing is a necessary procedure to apply for a loan from a bank. When applying for personal loans, borrowers need to bring ID cards and other documents to the bank to sign receipts and contracts. Because it must be signed by the borrower himself, it is called face-to-face signing.

1. Personal work: A stable job often means that the borrower has a stable income and strong repayment ability. If you change jobs frequently, it means that there is no stable income in the short term, which may affect the mortgage repayment.

2. Bank liquidity: Generally speaking, the monthly income is better than twice the repayment amount, which is safer. If your income can't meet the requirements of the bank, then your mortgage is also very dangerous. When the income is not up to the standard, you'd better provide some other proof of assets, such as cars, equity, etc.

3, the nature of the house: not all houses can be purchased through loans, such as houses without real estate licenses, public houses and small property houses. So, if your house doesn't meet the requirements of the bank, you can't get a loan.

The so-called face-to-face signing simply means that when everyone applies for a mortgage from the bank, I need to go to the bank to check my personal situation face to face.

A similar procedure is needed when applying for a company loan. The difference is that corporate loans are generally underwritten by the account manager himself, and relevant contracts are also signed in person, and photos of the chairman/legal person and the account manager, corporate house number and facade are taken.

Face-to-face signing system is mainly aimed at the intervention of some intermediaries and designated dealers, and it is a "firewall" set up in mortgage and car loan. Take car loan as an example. A few years ago, there was a case in which a designated dealer handled the whole process. If a customer temporarily cancels the car purchase plan, but the loan application information is mastered by the dealer and the face-to-face signing system is not implemented, it is easy to have a false mortgage business. However, in 2008, the China Banking Regulatory Commission issued the Notice on Risk Warning of Automobile Loans, which was explicitly prohibited. "As far as I know, in recent years, the operation of personal loan business has followed the interview." A staff member of a commercial bank office said.

Matters needing attention in loan interview, everything you want to know is here!

; ? At present, many bank loans require borrowers to sign in person, because to ensure the true identity of borrowers, it is necessary to sign loan contracts in person. To some extent, it can reduce the situation that loans overdue and people use information to borrow money. Today we will talk about the topic of face-to-face loan.

Loan face-to-face information:

Identity card, household registration book, marriage certificate (divorce certificate, divorce agreement or court judgment), temporary residence permit (expired or about to expire and not updated), work certificate (company seal application, work permit), bank memorandum, business license, academic certificate, copy of passbook, etc.

Reminder: In order to pass the loan interview at one time, it is recommended to call customer service first to find out the documents that banks need to carry when handling different types of loans (micro-loans, mortgage loans, car loans and consumer loans). If you really don't know what materials you need, you can bring all the existing documents and submit them as needed.

Bonus materials: real estate license, driving license, large policy contract, credit card and financial voucher can all provide some help for face-to-face loan and improve the success rate of loan.

Face-to-face loan signing:

1, verify personal data.

See whether the application materials submitted by the borrower are complete, whether the photo of the ID card is consistent with the person and whether the signature is consistent.

Step 2 ask about your family

Generally, the borrower will be asked how many people there are in his family, whether he is married, how many children he has, and whether his parents live together. Asking such questions in the face-to-face loan interview can show whether your burden is heavy or not, and provide some reference for approval.

3. Personal credit information

There are channels to directly check the credit records within the bank, and the staff may ask you some questions separately. For example, you have been in loans overdue for a few days, and you will ask why. At this time, as long as the sincere answer is forgotten and careless, it will not affect the loan. There are too many records of handling cards and loans, which will also have certain negative effects. It is recommended to prepare several reasonable reasons before the face-to-face signing.

4. Work and monthly income

When applying for a loan, there will be a column to fill in the work unit and income flow. If there is a big difference between your answer and the application materials when you sign in person, then the bank will think that you are suspected of fraudulent loans, so I suggest you know what you have filled in.

To sum up, the basic process of loan face-to-face signing is as follows:

Go to the bank with relevant information.

Audit materials of loan personnel

If the materials are incomplete, they will be called back.

What should I do after the loan is signed in person?

A word and so on.

After the interview, the bank will have to go through several working days of internal audit before arranging time for lending. If you fail, you will tell the result directly by SMS, so face-to-face interview is a step to verify the information, whether it is important or not. It's not important, but it's actually a crucial step. Borrowing is no small matter, as long as you put your heart into every link, there is no money you can't borrow!

Will you ask for an iou if you sign it face to face? It will be clear after reading it!

; ? Face-to-face loan signing is a very important link, as long as it is notified, it may not be successful, so users still need to actively cooperate. Someone asked, will you ask for an iou if you sign it face to face? Then let's briefly talk about this problem for everyone.

Will you ask for an iou if you sign it face to face?

Will ask the user's debt situation, including not only the credit information reflected above, but also the user's private loans. And evaluate whether it has the ability to repay on time after comprehensive economic income ability and repayment situation.

Then there is what constitutes the user's liabilities, such as personal consumption loans, car loans, mortgage loans, secured loans and the like. If these debts are accumulated, how much will they be paid each month? How can users ensure that the monthly repayment can be repaid on time and so on?

During the interview, in addition to the IOUs, other information will be asked, such as credit information, especially whether it is overdue, the reasons and how to solve it, and personal work information and family situation may be verified again.

Therefore, users should cooperate with auditors and answer truthfully during the interview. If there is any risk doubt, it is best to explain it clearly or provide relevant certificates to explain it, which is helpful for whether to lend money or not in accordance with the approved quota. Otherwise, if the interview does not meet the requirements, the visa will be directly refused or the loan will be reduced.

The above is about "Will you ask for an IOU when you sign it in person?" I hope it helps after reading it. Generally speaking, face-to-face interviews will not only ask about debts, but also ask about other aspects, so please cooperate with your answers.

Car loan signing is just a formality, right?

Face-to-face signing is an indispensable link to solve the car loan. Nowadays, most young people choose loans to buy cars. Loans can reduce the pressure on users, and users can enjoy the feeling of owning a car without paying too much money at one time. However, users should be cautious when choosing loans. There are many loans on the market now, so users should choose formal and large-scale companies when lending.

First, what should I pay attention to in the car loan interview?

1, clean clothes, increase impression points.

First impressions are very important. When signing the car loan in person, you must dress neatly. If you can, try to wear formal clothes. Try to smile when you speak, with a kind tone and a serious attitude. Only in this way can we leave a good impression on employees, and the pass rate of face-to-face contract signing will naturally be much higher.

2. Answer questions fluently.

Bank staff usually ask borrowers about their jobs, marital status, income status and bank liquidity. This should be answered according to the information filled in at the time of application, and can be supplemented appropriately, but don't answer irrelevant or ambiguous questions. If the user's preface is inconsistent, the bank will think it is a fake loan or submit false information.

Second, the conditions and process of loan to buy a car

1. Conditions for car purchase by loan: having valid identity certificate, being able to provide fixed and detailed proof of address, being able to stabilize employment and repay loan principal and interest on schedule, having good personal social credit, holding a car purchase contract or agreement recognized by the lender and other conditions stipulated by the cooperative organization.

2. Loan car purchase process: introduce customers to the bank's special dealer to choose a car, sign a car purchase agreement or contract, and the borrower applies to the loan bank for personal car mortgage. After investigation, the lender agrees to sign a contract, go through the formalities of notarization and mortgage of the automobile, cancel the pledge certificate after the loan is paid off and return it to the customer.

To sum up, the car loan interview is not only a form, but also a necessary condition to decide whether the loan can be successfully approved. Face-to-face loan signing will give bank staff a more comprehensive understanding of the lender. By asking relevant questions, the bank staff can know whether the lender has the loan qualification and repayment ability.