Loan return visit speech

When is the bank's repayment call usually made?

1. When do you usually call the bank for a loan return visit?

The specific loan situation is different, and the specific bank arrangements will be different. You can directly ask the bank staff about the schedule of telephone call back after handling the loan business. Under normal circumstances, you will call in two or three days. In addition, bank staff will call during working hours. General working hours are 9: 00 am-12 and 2: 00 pm-17 on weekdays. Pay attention to keep your mobile phone open.

2. What is the telephone content of the loan return visit?

The return visit of the loan is mainly to reconfirm some of your personal information and ask some questions. These questions are very casual. The following is for reference only.

(1) The bank will ask about your position and level in the company and the specific work of this position. Generally, a stable job, a stable position, a high salary and great development potential will all contribute to your loan approval.

(2) The bank will also ask about your income, how much money you have, whether you have other loans, and the specific classification of your income. This honest answer, after all, is related to your repayment ability.

(3) Regarding the bank loan return visit, I will also ask you some questions on the form you filled out, and confirm some questions with you again to confirm whether it is true or not, mainly to deeply understand your credit status.

In addition, the bank will call your company to confirm some information:

(1) Confirm whether the company has you as an employee, which is an inevitable problem when the bank calls.

(2) Generally, you will be asked about your company, such as specific working years and working conditions.

Therefore, the call for loan return visit is an important part of the bank loan approval process. If the bank fails to contact you, the loan application process may be suspended due to the failure of telephone call back and the loan will fail. Therefore, after applying for a loan, you should ask whether the bank will arrange a telephone call back and the approximate time of the telephone call back. In the meantime, you must keep the phone open. At the same time, if there is a telephone call back to your company, you must explain it in advance to prevent the telephone call back from being missed.

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

Will the bank call every lender to pay a return visit? I got a loan from ICBC.

The loan will definitely be called back, and the loan will only be released if the information you provide is true. It will take you about 7-30 days to review the mortgage, mainly depending on whether the documents submitted by the parties are complete and meet the requirements of the bank. Bank loans range from 1 considerate 1-3 months.

Approval of audit documents-Notify the developer for filing-The developer submits the filing form (seal) to the bank-The bank finalizes the case-Lending.

Tips: From 201911kloc-0/7, the customer's SMS approval and confirmation function has been added on the basis of the original telephone verification. After the loan is approved, the system will automatically send a short message to the mobile phone number reserved by the borrower, informing it of the loan amount, term, interest rate, account number and other related contents. You should forward the short message to 95588 within the specified time, which is also regarded as the verification of relevant information with you. At the same time, the original manual telephone verification method is still retained for the large loan business that exceeds the maximum loan amount approved by SMS (set by each branch).

The details that need to be paid attention to when lending mainly include:

1. Are lending institutions and platforms formal?

Be sure to pay attention to whether the institution or platform that handles the loan has a financial license. If you encounter an informal lending institution or platform, you are likely to be cheated.

2. Whether the loan interest is normal:

Some lending institutions and platforms may cheat on interest, such as flaunting low interest rates, and as a result, the approval interest rate is actually much higher. This situation is very common in small loans. There are also some online loan products that charge "beheading interest". Therefore, people must pay attention to whether the interest rate is at a normal level and whether it has reached a new standard when lending.

3. Are there any mandatory requirements:

Some loans may have additional requirements, as well as various service fees and liquidated damages. Will be charged. Everyone must pay more attention to loans to avoid being restricted later.

What are the details of the loan?

When you apply for a loan from different lending institutions and platforms, the rigor of the review is different, and the information you need to provide may be different. Therefore, it is best to find out what information needs to be provided first, so as to avoid omission and affect the handling of loans.

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 will the loan repayment phone ask?

When calling for a loan, the questions commonly asked include the borrower's name, ID number, work unit and income, spouse's occupation and income, loan amount, loan purpose and whether to apply for a loan for himself.

Users can basically audit by phone as long as they answer the above questions truthfully.

If the user misses the call, the loan review will fail. Please keep your mobile phone open after applying for a loan and answer strange calls in time.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.

Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Extended data:

I. Review risks

The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.

(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments.

In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

Second, the legal content of the pre-loan investigation

(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence.

If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans;

Examine whether there is a clear situation in registered capital flight; Past loans and repayments;

And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

(3) Regarding the borrower's loan situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;

(4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.

Third, the borrower and its responsible person should also be specially examined. In order to reduce the moral hazard of the lender, the borrower and its responsible person should also be specially examined. When issuing loans, financial institutions should not only examine the qualifications, conditions and operating conditions of borrowers, but also strengthen the examination and control of the personal qualities of investors, legal representatives of enterprises and key management personnel.

What should I pay attention to when I call back for a loan?

You must take seriously the call of loan return visit. If you don't take the borrower seriously, you won't dare to give you money. You must keep your mobile phone on for three days after applying for a loan. You must also answer your true situation truthfully and patiently, because the telephone call back will be recorded, so just pay attention to your expression and information. Now, when you receive a loan call, we offer several tips:

1, answer the phone truthfully and calmly to answer the questions raised by the customer service staff;

2. Remember the information on the application form that you originally filled in, and the customer service staff will review and deeply understand the content. Do not have inconsistent or inconsistent information, especially family information and work information, which will be within the scope of consultation;

3. If there is information about the guarantor, at least you should be able to answer the basic information and make the relationship clear.

The above are a few tips about answering the loan phone and paying a return visit. Just answer normally, it won't be too difficult to pass.