Ask for a loan return visit

This paper will talk about the knowledge points corresponding to the return call and the loan return call. I hope it helps you, and don't forget to collect this website.

Will the loan review call?

Many loan applicants are very concerned about whether they will call during the loan review, because most loan applicants do not want the lending institution to contact their family, friends or companies, and do not want the privacy of the loan to be known. So will the loan review call? Let's talk to you here.

The loan review process of each lending institution is different, and different types of lending institutions have different operations for telephone review.

explicitly

1. Banks, including over-the-counter loans and bank-owned apps, have higher requirements for applicants and a relatively complete review process. Generally, I will call back to confirm whether the lender's information is accurate and whether there is a willingness to repay.

Second, APP, most institutions will not call back, especially now that loan apps are competing for lending speed. In order to speed up the review process, most institutions will choose to avoid telephone return visits. However, as far as applicants are concerned, users with good credit qualifications are often not called back, while customers with poor credit qualifications may be called back in order to understand the specific repayment ability of applicants.

Third, online lending, in previous years, online lending generally required a telephone call back. However, with the popularity of loan approval, many online loans began to speed up the review in order not to be eliminated. Telephone return visits are also optional, and some applicants with average credit are selected for telephone return visits.

Warm reminder

Once the lender has overdue behavior, the lending institution will immediately contact itself, its contacts and the company to urge repayment, so for the sake of personal reputation and credit, everyone should not have overdue behavior.

Is there no collateral for personal phone calls? These questions are usually asked.

In the process of applying for a loan, many friends will receive a return call from a bank or a lending institution, fearing that the poor answer will affect the approval process. So will a person make a phone call without a mortgage? What questions do you usually ask? I will bring you detailed answers today.

If the individual has no guarantee, will there be a return call?

APP, most institutions will not call back, especially now that loan apps are competing for lending speed. In order to speed up the review process, most institutions will choose to avoid telephone return visits. However, as far as applicants are concerned, users with good credit qualifications are often not called back, while customers with poor credit qualifications may be called back in order to understand the specific repayment ability of applicants.

There are mainly personal ID card information, company information, income, contacts and other information, as well as some things including credit information.

What does the personal unsecured return call ask?

Confirm the identity information of the borrower, and know the ID number of the borrower.

The income of the borrower's company and family, and understand the borrower's repayment ability;

Family property of the borrower;

Understand the satisfaction of credit business;

Others.

Editor's note: Will there be no mortgage for individuals to call? If the lender's qualification is poor, it may be returned, but when faced with the question of returning, don't be nervous, just answer according to the actual situation.

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, borrowers need to be careful about every word of bank customer service, because 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.

How to better answer the call of loan return visit? Pay attention to these points and get twice the result with half the effort!

When applying for a loan, no matter banks or other companies, most of them will have a return call. Don't underestimate this step. Whether the answer is good or not is directly related to your approval result and approval amount. If you don't receive it or have problems, you may be refused a direct loan. So how to answer the loan repayment call will be better? Of course, this is also skillful. Pay attention to these points, and you will get twice the result with half the effort.

1, smooth contact

The first thing you need to make sure is that you can get in touch, and you can't just fill in the contact number. Always fill in your real-name registration system mobile phone number and keep connected. If you don't receive it by accident, you can wait patiently for a second time, and some will call again.

2, the content is consistent

Generally, when you call back, you will ask for some basic information, which you have filled out in the loan application. Be sure to answer the questions in the same way. If you are afraid of forgetting, you can make a backup and take it with you just in case.

3. The answer is true

One thing to remember when answering questions by phone is that you must answer the questions truthfully. False answers will only be counterproductive, and it is even more impossible to get away with it. If it is serious, it will be suspected of fraudulent loans. So all questions are answered truthfully. Say you don't know if you don't know. Don't hesitate to answer the question.

In addition to answering the phone, these skills are needed, and some preventive measures are also essential:

1, the work unit in the application materials, don't fill in casually, there is a high probability that it will be verified, don't cheat.

2. If you want to fill in the relevant information of the credit card, try to fill in the higher amount and avoid filling in the bad records.

3. Formal consumption payment should fill in the loan purpose and shall not be used for other purposes. Post-loan management is not so easy to fool.

What is the telephone number of Ping An Bank loan return visit?

In order to deeply understand the handling and cash withdrawal of Xinyi Loan, Jinlingtong 2.0 and Payeasy, touch customers' money, improve products and processes, and improve customer satisfaction, it is planned to carry out the return visit business after the double-pass loan. The return calls are generally 9550 1 and 07559550 1.

Can I make a phone call with my ID card?

Personal ID card is not a loan that can be applied only by ID card, but a credit loan that we often say. In the process of applying for a loan, the lending institution usually calls back to confirm the authenticity of the information submitted by the borrower, so will the personal ID card call?

Is the personal ID card true?

Most of the current ID card loans are credit loans. You can't borrow money with your ID card. You need a certain income certificate to work stably. But this has become an ID card in the propaganda of some organizations, which is obviously wrong. ID card is only the necessary material for loan, and the most important thing is to provide proof of income and prove that you are suitable for credit loan. As you can imagine, credit loans will definitely be repaid.

We often hear that personal ID cards include two types:

The first personal ID card is actually an unsecured credit loan. Although you don't need collateral, you need not only your ID card, but also a series of materials such as income certificate, residence certificate and work certificate. Identity card is only a necessary condition, which is generally a gimmick of the website.

The second kind of personal ID card is actually a secured loan. This kind of loan does require less materials, but the requirements for the guarantor are higher. The guarantor needs to have a stable income, a fixed occupation and be willing to vouch for you. In this case, as long as you use your personal ID card to prove your identity and a qualified guarantor is willing to guarantee for you, you can really get a loan.

It is worth noting that it is impossible for banks to lend as long as they have ID cards.

To sum up, personal identity card is actually another way of saying credit loan. Will that person's ID card make a phone call?

Personal ID cards also have a return visit, and generally ask the following questions:

1. Confirm the identity information of the borrower, and know the ID number of the borrower, etc.

2, the borrower's family income, understand the borrower's repayment ability;

3. The borrower's family property status;

4. Understand the satisfaction of credit business;

Through the above introduction of personal identity card, the answer to the question whether personal identity card can make a phone call is yes. Remind everyone that when applying for this kind of credit loan, don't be misled by the word ID card loan. At the same time, you need to be vigilant to prevent being cheated. You don't need to be nervous when you get a call back. Just calm down and answer truthfully.

This concludes the introduction of callback and loan recovery. I wonder if you found the information you need from it?