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What is the post-loan inspection of a car loan?
What are the details of the post-loan inspection of auto loans?
The first thing to understand is that the post-loan vehicle inspection is based on loan applicants, mortgages, guarantors, etc., and obtains information through customer offers, interviews, on-site inspections, and in-line resource inquiries, and factors affecting the quality of personal auto loan assets. Carry out continuous follow-up investigations, analysis, and take corresponding rescue measures. Its purpose is to monitor relevant factors that may affect the quality of the loan, and early detection of early warning signals, so as to take appropriate preventive or remedial measures. The main contents of the post-lending inspection include two aspects: the lender's situation inspection and the guarantee situation inspection.
(1) The main contents of the post-lending inspection of loan applicants include: whether the loan applicant has returned the loan in full and on time; whether the loan applicant has done work on behalf of the loan applicant and whether the income level has changed; whether the applicant’s domicile or telephone number has changed; Whether there are unexpected events that may affect the loan applicant’s ability to repay or willingness to repay, such as involvement in major economic disputes, lawsuits or arbitral proceedings, deterioration or sudden death of the loan applicant’s physical purchase, and detection of business vehicles The actual situation of its vehicle operating income.
(2) The main contents of the inspection of the guarantor and the mortgaged property include: the guarantor's operating status and financial status; the existence, use and value change of the mortgaged property; the timeliness and value change of the pledge power certificate; And other guarantee agencies’ margin conditions; if the team uses the vehicles to be mortgaged, the use of the vehicles and the validity of their vehicle insurance and the actual value of the vehicles shall be subject to inspection and assessment; other factors that may affect the effectiveness of the guarantee.
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