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What is checked after the loan of the car loan?

Time: 2017-01-20         Source: Rong 360 finishing         Author: 360 Financial consolidation

What is checked after the loan of the car loan is as follows:

The first thing to understand is that the post-loan inspection vehicle is based on loan applicants, collaterals, guarantors, etc., through customer supply, interviews, field inspections and in-house resource inquiries, etc., to obtain information on the factors affecting the quality of individual auto loan assets. Conduct a process of continuous follow-up investigation, analysis, and corresponding rescue measures. The purpose is to monitor relevant factors that may affect the quality of the loan, and to detect early warning signals so as to take corresponding preventive or remedial measures. The main contents of the post-lending inspection include the inspection of the lender and the inspection of the guarantee.

(1) The main contents of post-lending inspections of loan applicants include: whether the loan applicants repay the loans in full and on time; whether the loan applicants work on their behalf and whether the income level has changed; whether the loan applicant’s residence and contact telephone number have changed; Whether there are any unexpected incidents that may affect the loan applicant's ability to repay or repay the loan, such as a major economic dispute, litigation or arbitration procedure, the loan applicant's physical loan deteriorates or suddenly dies; The actual situation of its vehicle operating income.

(2) The main contents of the inspection of the guarantor and the collateral include: the guarantor's operating status and financial status; the continuation status, usage status and value change of the collateral; the timeliness and value change of the pledge power certificate; And the margin of other guarantee institutions; the team is mortgaged by the vehicle, and the vehicle use and its vehicle insurance effectiveness and the actual value of the vehicle are examined and evaluated; other factors that may affect the effectiveness of the guarantee.

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