What questions did the lender ask you?

What do loan banks ask in face-to-face interviews? These problems must be mastered.

As we all know, many online loans will have a second telephone review visit, and banks are similar. The difference is that banks need to prepare their own materials for face-to-face interviews with banks. So what questions do the loan banks ask and what materials do they need to prepare to answer?

What do loan banks ask in face-to-face interviews? Generally, they focus on the following aspects and then read on.

The problem of face-to-face signing of bank loans

I. Personal information

1, name and place of origin;

2. Personal address and work address;

3, marital status, whether to give birth.

Second, repayment ability.

1, proof of income;

2. Whether the income is punch-in income;

3. liabilities.

Third, the work situation

1, company name and company operation;

2. Whether the personal working hours are stable;

3. Work certificate.

Four. Loan details

Determine the loan purpose, loan amount and interest rate, past loan records, etc.

What materials should I prepare for the bank loan interview?

1. Married: husband and wife's ID card, household registration book, marriage certificate, temporary residence permit (foreign household registration), education certificate of both parties (high school education or above), income certificate, tap water, copy of business license with official seal (not required for state-owned enterprises, institutions and Fortune 500 companies), work permit (not required for private enterprises) and card of the bank to be signed.

2. unmarried

: ID card, household registration book, temporary residence permit (foreign household registration), education certificate (high school education required), income certificate, running water, copy of business license stamped with official seal (state-owned enterprises and institutions can provide work permit), work permit (not required by private enterprises) and bank card need to be signed in person, and the buyer must be present at the same time when additional guarantors and borrowers need to be signed in person.

Note: If the second-home loan is signed in person, the property right certificate and loan contract or settlement certificate of the first-home loan should also be provided.

What are the general questions about loans and what questions will customers ask?

The general problem of loans is:

Personal loans, although many banks and financial institutions provide different loan products at present, as long as they are personal loans, they can be classified according to the guarantee conditions and loan purposes.

1. Guarantee conditions: it can be divided into credit loans and secured loans.

1. Credit loan is a kind of loan based on the lender's personal credit without mortgage guarantee, like many online loans in the market, such as, borrowing money, recruiting a good term loan, and bank credit loans, such as e-lease loan and e-finance loan.

2. Secured loans can be divided into mortgage loans, mortgage loans and portfolio secured loans, and certain assets are needed as collateral or guarantor.

Second, the common uses of loans are personal housing loans, personal business loans and personal consumption loans, as well as some agricultural loans and national student loans.

1. Personal housing loans: These loans are all offered by banks, including commercial loans, provident fund loans and portfolio loans. If subdivided, it can also be divided into primary housing loans and secondary housing loans.

2. Personal business loans: generally used for individual businesses, such as business owners, corporate legal persons and self-employed individuals. Can apply;

3. Personal consumption loans: There are many types, such as car purchase loans and decoration loans. Because these loans are earmarked, proof of loan use is required.

Questions that customers usually ask;

1; "Is your loan legal?"

2; "Are you interested?"

3; "What are the terms of your loan?"

4; "How much can I borrow in my present situation?"

5; "Why didn't my order pass?"

6; "What if I can't repay on time?"

7; "Do you have any difficulty in getting a loan? . "

8; "Is there a longer loan?"

9; "Is your repayment period flexible?"

10; "Pay liquidated damages in advance?"

1 1; "installment repayment, can it be settled in one lump sum?"

12; "Can I still get a loan if I have a loan in the bank?"

13; "Will others know about the loan?"

14; "Can an enterprise get a loan without a license?"

These are usually questions that customers often ask.

The 15 questions that loan customers love to ask are all here!

After working in the credit industry for a long time, you will always find some rules. When serving loan customers, you will find that the focus of customers is nothing more than how much money they can borrow. How much is the interest? What is the deadline? "Money, interest and term" are the main concerns of customers when borrowing money. Only by grasping customers' concerns, taking the right medicine and answering their questions can we show our professionalism and reliability without offending customers.

So, what concerns do loan customers have when lending? How to answer? The following 15 questions are the favorite questions asked by loan customers. I hope you can answer it when serving customers.

Is your loan legal?

We are a financial institution specializing in credit loans. We have a legal business license. We have been established for many years. We have always had a good reputation in the industry. You can understand this. We don't have any fees before the loan, and we don't charge if it doesn't succeed. The fees are all incurred in the month after your loan.

You are right (the interest rate is too high)

I understand your idea. We are a formal financial institution with a legal business license. You can rest assured of that. As for the high interest rate, it depends on who you compare with. Compared with banks, we are indeed high, but what banks need is mortgage and guarantee of real estate. I think you know that if you could get money from the bank easily, you wouldn't come to consult, would you?

Our approval is fast and simple, and we can get the approval result within 1 day at the earliest. In addition, we provide short-term revolving loans, which are suitable for short-term.

(Highlight product features) If I give you 65,438+10,000 yuan, can't you earn 2,000 yuan a month? I think if I give you 65438+ million, can't you earn 2000 yuan a month? I think any industry can earn it back, right! In addition, we hope you will expand your business. Are you taking other people's money to make money? (from the perspective of customer profitability)

How did you borrow that loan?

It's very simple to get a loan from us. You only need to provide the corresponding materials (ID card, work certificate, salary certificate, address certificate ... according to the needs of your products), and we will inform you of the approval results after X working days.

How much can I borrow in my present situation?

The loan approval amount mainly depends on your credit rating, monthly income, whether you have borrowed money before and the materials you provide, but there are many successful loans in your industry. I'll try my best to help you get the maximum amount. Of course, this is inseparable from your support and cooperation.

Why didn't my order pass?

I'm very sorry, I can't help you. Because your comprehensive score is not enough, I failed for the time being. Thank you for your support to our company. We can accept it again in x months.

What if I can't repay the loan on time?

We lend you money in the hope that your business can be expanded and operated again. We always believe that you are an honest customer. Besides, you can't affect your reputation because of this little money, can you? The amount of our loan is the repayment amount agreed in combination with your actual business situation. If you can't repay on time, it will affect your credit history (seriously, it will affect your subsequent mortgage and car loan, etc. ) and there will be late fees. If you breach the contract maliciously, we will solve it through legal channels. Now that the collection company has been legalized, we don't want this unpleasant thing to happen.

Your loan is very troublesome!

We are doing credit loans, and we need to know the basic situation of you (or the enterprise). The investigation time is about 2 hours. Where do you think there will be trouble? The more detailed and complete the information you provide, the more helpful it will be to your loan approval! At present, many loans on the market promise to give you money by filling out a form. If you don't even provide inspection materials, you can't even ask for such a loan!

I also want to help you get this loan. If I don't want to give you a loan, I'll hang up, right?

Is there a longer-term loan?

Not yet. We are committed to providing customers with short-term revolving loans to solve short-term difficulties. From your point of view, the shorter the time, the less interest you pay! We can recycle it, renew it after the loan expires, and the interest rate will be favorable.

Your repayment period is not flexible.

Our loan term is only X and XX, but it can be settled in advance at any time. And you can choose the term freely, and we will give you a reasonable loan term according to the actual situation.

10 how can I still collect liquidated damages if I settle in advance?

First of all, your difficulty has been solved, which is your greatest concern, right? Early settlement will save you the remaining interest and management fees, which is relatively appropriate. Moreover, when signing the loan contract, the repayment period has been agreed, and a breach of contract is of course a breach of contract.

1 1 Why can't we repay the loan in installments and settle it in one lump sum?

Repayment by installments will help reduce the pressure on your enterprise and make you more convenient and flexible. They are all paid by installments, such as mortgage and car loan. Small loans are unsecured and unsecured, and the relative risk is relatively high.

12 can I still get a loan if I have a loan in the bank?

As long as your credit record is good and meets our loan conditions, we will help you handle it according to your actual situation.

I don't want others to know about the 13 loan.

Please rest assured that we will respect your personal privacy. Your lover must know about the loan. Of course, if you can let your friends know and support you, your loan success rate will be higher.

14 can an enterprise borrow money without a license?

You can bring your ID card and venue lease contract. We focus on your physical business. As long as your business is running well, we will help you.

15 credit card is more convenient than you!

Both have their own advantages. The advantage is that the loan amount is higher than that of credit card, which is quick and simple.

Credit cards and loans are not comparable. Credit cards can only be used for swiping cards, and it also requires handling fees and interest, and it is profitable. The loan is paid in cash, with equal amount and equal interest.

What does the enterprise loan interview ask? Summary of five core issues that must be seen before lending!

At present, when enterprises apply for loans from banks, financial institutions or loan companies, they will basically go through the interview process, and many legal persons will be at a loss. In order to help enterprises improve the success rate of applying for loans, the following are five core questions in the interview. Let's know in advance.

I. Introduction of Legal Representative and Company

1. Because the legal person lends money on behalf of the company, it will ask the name, working hours, major shareholders, shareholders' shares, financial controller, etc.

2. Company introduction. Nature of the company (limited liability company, sole proprietorship enterprise, partnership enterprise), registered capital of the company, main business, industry status, main suppliers and customers, main contracts, and existence of laws.

Second, repayment ability.

Individuals and enterprises must have sufficient repayment ability, and bank interviews will also focus on these contents.

The main problems are: the main source of repayment funds, the second source of funds, cash flow, income, profit, total capital and guarantor.

Three. hostage

General corporate loans can only be handled by providing collateral, but some credit or other types of collateral are not needed, and no questions about collateral will be asked during the interview.

With these questions about collateral, what collateral can be provided, where it is, whether it is easy to be damaged, what authority is needed to use collateral, how to evaluate its value, and whether personal assets are used as collateral.

Fourth, the relationship between customers and banks.

Many banks require enterprises to open settlement accounts in their own banks and have certain business dealings, so the success rate of loans will be higher, so they will simply ask some relevant contents.

Common questions include which banks the company has business dealings with now, which banks it has applied for loans from, why it chose this bank, whether it has outstanding loans, and the amount and duration of the loans.

Verb (abbreviation for verb) loan requirement

During the interview, the loan officer will ask you about your loan requirements carefully. The loan amount and term of some enterprises do not match their qualifications, and the loan officer will suggest a more suitable scope, which can help enterprises improve the success rate of applying for loans.

The problems involved are: how much to borrow, how to calculate this value, what will be the future loan demand, and what is the purpose of the loan.

In short, the interview is a necessary process before applying for a corporate loan. Credit officers are experienced and know the loan products very well, so we should actively communicate with them and formulate the most suitable loan for them.

So much for the introduction of what the lender asked you.