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What questions need to be asked when lending?

Questioner: @a.*** City: National Label: Loans Question Time: 2017-11-29 10:41
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  • Manager Credit Manager Service area: Dongguan Service Organization: Crown Pratt & Whitney
    2017-12-04 09:26
            askloanUse, whether your personal basic information is consistent with the application
  •             Enthusiastic net friend
    2017-11-30 14:08
            Question one: Personal examination

        The most liked questions include:

        1. What is your constellation? How many birthdays are there? (In fact, it is to verify whether your information is true, and if it is true that it is not wrong to blurt out, false information is not easy to say.)

        2. Where do you work? (In fact, you just want to ask if your work is very stable. There is no work or you can't answer the address of the work unit. It may be directly to PSAA.)

        3. How long have you been working in your current unit? What positions do you do? (The basic game does not last more than three months. You haven’t made any progress. How do you dare to borrow? Also, if you are in the management category, you can add Points, the premise is the information is true! Xiao Bian can not let you swollen face fat, posing as general manager ah!)

        4. How much is the monthly income? Is the wage or cash wage? (The monthly income is less than 2,000 yuan. Basically, if you have bonus or performance, you must focus on the statement. You can add points!)

        Question two: Check the family situation

        1. Who are the family members? (The basic examination, answering information and filling in the information may be rejected.)

        2. Do parents or spouses know what you are borrowing? What are their attitudes? (A: "Do not know", be careful, and answer "They do not support applications."loan"will be directly illuminated by a red light."

        3. Are parents healthy? (Assuming the parents had a serious illness recently, even if they had surgery, it would be a bit of a hang-up. The doctor will feel that the doctor will burn money especially if you have a doctor. Your burden will be particularly heavy.)

        Question 3: Check the situation of borrowing

        1. There are a few in your namecredit cardAh? (Generally 2-3 sheets are appropriate, 4 or more are risky)

        2. Has your credit card been overdue? (Be careful if you are over 3 times overdue, and most of the over 6 times will be rejected directly)
  •             Enthusiastic net friend
    2017-11-30 11:27
            The first thing to ask is which loan you need to deal with.Mortgagestill isCredit Loans;
    If you apply for a credit loan: Do you work? What is the wage for punching cards? Are there social security contributions,Provident Fund? What is the social insurance payment base? what occupation? What is the status of credit information? Are there properties or cars? Is it subject to commercial insurance? Loan use, loan term, repayment source, age, etc.
    If you apply for a real estate mortgage loan: Is it a full-price commercial housing? Property location, area, orientation, floors, renovations, age of the room, and more. Do you work or how much income? Loan use, loan term, repayment source, age, etc.
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