The mortgage bank called to verify the information. If there is no problem, it is approved and ready to issue loans. \ \ Call back: \ ① Call back mainly asks about work information, work unit, monthly salary, working years, home address, etc. Please answer carefully and truthfully; \ ② In addition, the bank will also call the company's landline to inquire, and pay attention to telling the company to answer the phone; \ ③ The purpose of the bank's telephone call back is to confirm the authenticity of the information submitted by the borrower.

What should I do if I get a call to apply for a loan?

Generally, after the application is submitted on the loan product page, a customer service specialist will call to review it. Therefore, it is suggested that the lender should know several questions that the credit inspector will ask when calling in advance, and make psychological preparations to improve the loan success rate.

1. Check the information in the application form (Instructions for Applicants)

The loan applicant should clearly remember the contents filled in the loan application form: personal information, work information and contact information.

And the application amount, loan term, loan purpose and acceptable monthly payment.

Note: The loan can be used for decoration, purchase of furniture and appliances, travel, further education, car purchase, wedding, self-built house and other consumer expenses. , but it is not used for risky expenses such as house purchase, investment projects, investment and wealth management.

2. Verify the company information (notice of the contact person of the applicant and colleagues)

Is the lender married? Unit full name, unit address? What department and position is the lender? Unit transaction of products? Unit landline number ()? How many employees are there in the company? How many employees are there in your department? How does the company pay wages (punch card or change)? When will the salary be paid? Is there any social security or provident fund? How do you usually have a holiday on weekends? The name of the boss of the company? Are there any landmarks near the company? Is there a subway or bus stop nearby? Is the landline wired or wireless? Can the person answering the company's landline cooperate to verify the information of the borrower and his colleagues? Are customers and their colleagues in the company?

Three. Verify family status (precautions for first contact)

Married asking for spouse information:

When to get married, wedding anniversary, children, how many children, how old are the children? When is the child's birthday and what is the zodiac? School? What school do you go to? Who cares at ordinary times?

Where are the parents of both husband and wife? About age? Where is the husband and wife's hometown? Birthdays for both parties? Each other's zodiac signs? How many brothers and sisters are there? How long have you been in Shenzhen? What is the approximate address of the other company? Current address? How long have you lived at your present address? Is there a road sign near the address? Is there a bus stop or subway nearby? Does the other party know about the loan? Do you know what the loan is for? If the lender is overdue, is it willing to bear it? Do you know the second contact? What is the relationship between the second contact and the customer himself?

Unmarried parents ask for information:

Ask your parents' names? Do parents know the applicant himself? What is the relationship with the applicant? How many brothers and sisters does the applicant have? Where are you now? What is the applicant's age, date of birth, date of birth and animal sign? Do you know the employer and approximate address of the applicant? Do you know the second relation?

Four: Understand the customer situation from the side.

Ask friends or colleagues if they know the lender? What does it have to do with it? What do lenders do? Are they married, have children, and have any bad hobbies?

Four. Common methods for checking customer information in credit review:

Deception, rhetorical questions, sometimes loan officers deliberately use fake names, fabricate names, and lie to you out of thin air, or pretend to be the relevant personnel of express delivery, credit card, insurance and real estate investment companies to ask your company address and home address deliberately. Just answer truthfully.

Do you mean you need to call me to verify the application for BOC E loan from China Bank?

In order to ensure the safety of your funds, our customer service staff will call the customer's mobile phone number through 0 10-95566 to confirm some information. Please cooperate with our audit, and the loan can be used normally after passing. Please pay attention to answering the phone, make sure the E-token is at hand, and don't submit it repeatedly while waiting for telephone verification.

The above contents are for your reference. Please refer to the actual business regulations.

Will the bank call me to verify the BOC mortgage application after the information is submitted? What questions will the bank ask me if you call me?

Bank of China will comprehensively evaluate the credit status and solvency of applicants and guarantors, conduct pre-lending investigation through interviews, telephone verification and home visits, and complete customer information verification. After accepting your loan application, we will examine and approve it accordingly. For details, please consult the loan handling bank of China.

The above contents are for your reference. Please refer to the actual business regulations.

What does it mean to call a friend to verify the bank loan?

After verifying the information, make a comprehensive assessment of your own situation.

Just because the bank calls to verify the information does not mean that the loan will be done. After verifying the information, they will also make a comprehensive evaluation of your situation, and will give you a loan only if it meets the standards and requirements.

The bank will call to verify your loan situation, commonly known as "electric nuclear", randomly. But when the bank calls you, your answer is not appropriate, and you may refuse the loan.

Does the bank call to verify the information mean that the loan has been issued?

No, the bank staff called you to verify the information. This is their routine procedure. After they verify the information, it is decided by the risk control department. But as long as you meet the relevant conditions, it is still very easy to handle. Everyone will wait patiently for a while and come down naturally. Don't worry about the amount. When the loan comes down, the amount will not decrease.

Loan process:

1, loan application link: customers must explicitly apply to banks and other lending institutions and fill in the application materials;

2. Loan approval link: the lending institution also needs to approve the application materials submitted by the lender;

3. Sign a loan contract: After approval, they will sign a loan agreement, guarantee contract, etc. , depending on the actual situation;

4. Loan allocation: the lending institution allocates the loan according to the agreed amount;

5. Loan payment: The borrower must pay off the loan. Repayment includes timely repayment and early repayment, and the borrower can choose.