Did the loan pass when you signed it, Zhihu?

Is the loan successful after the face-to-face signing?

Hello, friend, face-to-face signing does not necessarily mean that the loan is successful! After the interview, the audit results may not be given on the spot. If the interview fails, then the loan fails. The user must pass the face-to-face review before the lending institution will enter the next process and finally lend money to the lender as agreed. Therefore, for loans, only when the loan funds arrive can the loan application be considered successful.

Some loans, even if they are approved face to face, encounter some problems when lending, which eventually leads to the failure of lending, and it is also considered as a user loan failure. Face-to-face signing of bank loans generally refers to the procedures for borrowers to carry all kinds of information needed for loans (such as ID card, household registration book, work certificate, income certificate, bank account, etc.). ) go to the bank outlet for face-to-face signing and signature.

On the one hand, the interview process is a preliminary and simple review of your information by bank staff; On the other hand, it is to confirm that you are my real intention to borrow money. This is the most preliminary part of the whole loan link, so the end of the face-to-face signing does not mean that the loan will definitely come down.

Approval process of bank loans

Generally, bank loans go through several processes: the account manager collects all kinds of materials (including materials inside and outside the bank), the auditor of the branch rechecks them, the person in charge of the branch confirms them, and submits them to the credit review department of the branch, and the first-instance post rechecks them, and submits them to the authorized approver for approval. The first-instance post issues a notice of approval opinions, and the lending post lends money. This is a complete loan review and approval process.

The interview is only the first step. Even if everything goes well, it usually takes you about half a month to get the loan. If the credit review department accumulates too many documents or the materials are inconsistent, it may take one or two months. If the bank's credit line is tight, it may take too long, even six months to a year.

Decide whether to lend money in the end. In practice, especially the policy influence and the bank fund situation have the greatest influence. Many customers just caught up with the central bank's policy adjustment after the first face-to-face interview, which made it impossible to enter the mortgage into the system and needed to apply for face-to-face interview again. In addition, the bank loan funds have been completed this year, and it will not be released until the next assessment year.

Does the interview mean that the bank has passed the examination?

Whether it is a credit card or a loan, if the bank notifies the face-to-face interview, it can only show that it has passed the preliminary examination, because the face-to-face interview is the last link of the bank's audit, and it can only show that the credit card or loan has finally passed, and the bank will approve the card and loan. If the interview fails, the credit card or loan the customer applied for will fail.

Face-to-face signing with the bank means that the borrower can wait until the loan bank pays the required fees legally and effectively, and then interview and sign. It also means face-to-face signing. One of the key points of the interview is to dispel the tendency of the other party to doubt you.

When you apply for a loan, the bank will ask you (sometimes your spouse or even the owner is present) to explain your rights and obligations in the loan before the bank lawyer or credit manager and sign the loan agreement.

Materials to be prepared for housing loan face-to-face signing

Married: ID card, household registration book, marriage certificate, temporary residence permit (foreign household registration), education certificates of both parties (requiring high school education or above), income certificate, running water, copy of business license with official seal (not required by state-owned enterprises, institutions and Fortune 500 enterprises), work permit (not required by private enterprises), bank and card signed by both parties (signatory: bank).

Unmarried: ID card, household registration book, temporary residence permit (foreign household registration), education certificate (high school education or above needs to be improved), income certificate, running water, copy of business license stamped with official seal (state-owned enterprises and institutions can provide work permit), work permit (private enterprises don't need it), and face-to-face bank card (see when banks and buyers need to add guarantors and borrowers).

Matters needing attention in bank interview:

1. Pay attention to clearly fill in the loan amount, loan term, repayment method and preferential interest rate when signing the loan contract.

2. Determine the repayment method suitable for you in advance, with equal principal and interest or average capital.

3. The required spare parts are different according to the different situations of the agent, but the commonly used documents include ID card, household registration book, real estate license, marriage certificate, bank account number and online signing. Other spare parts are prepared according to the requirements of the bank and its own situation.

4. After one working day of face-to-face signing, you should go to the appraisal unit approved by the bank to appraise the house value.

After the face-to-face signing by the bank, did it pass?

Face-to-face interviews are generally considered as recognition.

If the application for face-to-face loan at the bank has been approved, it means that a formal bank loan approval contract will be signed three to five days after the face-to-face loan application, and then the loan will be released within seven working days, which may be postponed in case of holidays.

However, different banks have different time requirements for lending.

After the bank's face-to-face signing is passed, the loan may not be successful.

After the interview, you still need to wait for the audit results. If the interview fails, then the loan fails. Therefore, for loans, the loan application is successful only if the loan funds arrive. Even if some loans pass the interview, they may fail when lending, which is also considered as a user loan failure.

Extended data:

Microfinance

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 conditions, whether the borrower has opened basic deposit 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 granting 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, including:

(a) for the chairman, general manager, factory director, manager and other key personnel gambling, drug abuse, whoring, keeping mistresses, frequenting dance halls, saunas, excessively arranging weddings and funerals, buying luxury cars disproportionate to their economic strength, and frequently renting luxury hotels, we must strictly control their corporate loans.

(two) loans to family business groups or companies must be strictly controlled. The so-called family group or company refers to an enterprise in which the main leaders of the group and its subsidiaries or branches and the main leadership positions within the enterprise are all or mainly held by blood relatives and their families and relatives.

(3) If the legal representative holds a foreign passport or permanent residence in a foreign country, and his enterprise or company has branches abroad, he should strictly control the loans of enterprises whose main family members have settled abroad or set up companies abroad, and pay close attention to the financial transactions of his legal representative with enterprises abroad. Especially for the transfer of funds abroad or the use of funds is unknown, it is necessary to strictly review, supervise and stop them in time.

(four) to investigate the legal representative of the enterprise before the loan.

Loans to affiliated enterprises where one person concurrently serves as the legal representative of several enterprises must be strictly controlled.

(5) When examining the loan, we must consider the borrower's qualifications, conditions, operating conditions, repayment ability and the quality of the main person in charge of the enterprise. The borrower's political status as a "model worker", "advanced element", "overseas Chinese", "NPC representative" and "CPPCC member" shall not be used as an excuse to lower the loan conditions or illegally issue and manage loans.

(six) the loan relationship only occurs between the parties.

For loans that are greeted or written by leaders, relatives, friends, classmates and comrades-in-arms, the loan conditions shall not be relaxed. Do not meet the loan conditions, no loans.

(seven) when issuing secured loans, the relationship between the borrower and the guarantor should be carefully investigated.

The borrower and the guarantor belong to the same group company, and the loan should be strictly examined. The guarantee provided by the branch of a non-independent legal person is invalid.

Four. The loan review suggests that every loan should be carefully reviewed, and the risk judgment of the loan should not be based on the past review or credit.

Just because the borrower repaid the principal and interest on time in the past, the review or investigation procedures should not be relaxed.

Establish a fixed-term appointment system for the legal representative of the borrower and its main management personnel.

The appointment period can be determined according to the size of the loan amount and the changes in the production and operation of the borrower. If the loan amount is large, the appointment period should be shortened accordingly.

Loan officers (loan officers, members of the credit review team and members of the credit review committee) shall not engage in improper private contact with borrowers in loan activities.

Credit officers and their immediate family members shall not accept the borrower's cash, precious gifts, shopping vouchers, etc. ; Shall not participate in recreational activities paid by the borrower; No expenses shall be repaid to the borrower.

For loans with large loan amount and long term, or loans used by borrowers for specific purposes, lawyers, accountants and other professionals should be hired to make professional judgments and provide expert opinions on related matters.

Did the car loan succeed after the face-to-face signing?

After the interview, the audit results may not be given on the spot. If the interview fails, then the loan fails. The user must pass the face-to-face review before the lending institution will enter the next process and finally lend money to the lender as agreed. Therefore, for loans, only when the loan funds arrive can the loan application be considered successful.

How soon can I know whether the bank approves the loan after the face-to-face signing?

Generally, the results of bank loan business will be obtained about 3-5 days after face-to-face signing. The bank will inform customers of the specific audit results by SMS, telephone and other forms. Users can also call the customer service hotline and other ways to query the results. Generally, the loan will be released after the face-to-face signing is passed, but the actual lending time will fluctuate, mainly depending on the efficiency of the bank.

What are the precautions for bank face-to-face signing?

(1) The basic information of the lender, including the name, domicile and contact information of the buyer and the seller, should be listed in the contract. It should be noted that if the buyer and seller are not present to sign, the original power of attorney is required.

(2) When signing the contract, we must make clear the payment method and time of the house payment. Pay attention to house payment, property right transfer and property delivery.

(3) It is necessary to clarify the buyer's liability for breach of contract for overdue payment and the seller's unilateral right to terminate the contract when the buyer breaches the contract.

(4) It is necessary to clarify the burden of taxes and fees, because the second-hand housing transaction involves many tax and fee issues, including business tax, personal income tax and local tax.

(5) After the face-to-face signing of mortgage, there are procedures such as auditing, mortgage and taking other items. Under normal circumstances, the bank 15 days after the face-to-face signing, and 2-3 months if it is slow.

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car.

The actual interest rate of car loan is set by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. There are three types of car loans: direct, indirect and credit card. The term of car loan is generally 1-3 years, and the longest is no more than 5 years.

After the mortgage interview, it basically passed, right?

Not necessarily. In fact, the interview is only part of the audit process. Just because the bank requires the user to sign for confirmation does not mean that the bank will definitely be able to lend money in the end. Only when the bank informs the user to sign a loan contract, and stipulates the loan amount, loan term and loan interest rate, will the bank lend money and be considered as passed.

After the face-to-face mortgage signing is passed, generally within fifteen working days, the bank will issue a loan approval notice to the user, and the user can go through the relevant procedures and sign a loan contract.

Extended data:

Face-to-face mortgage signing was refused down payment on the spot:

Face-to-face mortgage signing was rejected on the spot. If there is an agreement when signing the house purchase contract before, the down payment application can't come down, and the developer will refund the down payment in full, then directly ask the developer to refund the down payment.

If there is no agreement, the user can choose to apply for a mortgage from another bank, and after resubmitting the loan information, there is a certain chance of passing the audit.

After all, each bank's mortgage review standards are different. The failure of the first bank does not mean that the second bank cannot pass.

The mortgage interview was postponed;

Face-to-face mortgage can't be delayed forever. Face-to-face interviews have certain timeliness. After the general customer loan is approved, the bank will inform the customer to come to the outlet for an interview within one week.

If the customer is delayed and can't face-to-face interview within one week, he can contact the bank to apply for an extension of face-to-face interview, but it can't be postponed all the time. If the customer delays for too long and the agreed time is too long, the bank is likely to cancel the customer's loan qualification. After all, there are so many people who go to the bank for loans every day that the bank can't wait all the time.

Customers should also take time out to prepare for the mortgage interview, and don't let the bank wait. Moreover, it should be noted that the face-to-face signing is to go to the bank outlet and sign the loan contract face to face with the staff, and cannot entrust others to handle it.

When going to the bank for face-to-face signing, customers should also remember to bring personal ID cards, purchase contracts and other related materials. Also, if you get married, you usually need both husband and wife to sign on the spot. Only one party is not enough.

Check the approval status after the mortgage interview:

After the mortgage interview, users can log in to online banking or mobile banking to check the current status of the mortgage. Of course, users can also call the customer service hotline of the mortgage bank directly and ask the customer service staff to help check the current status. After the face-to-face mortgage is approved, the bank will send a notice to the customer, and then the bank will arrange the loan quickly.

In a word, bank audit is based on process. If there is no reply after the timeout, users can take the initiative to consult the bank.