What will the loan customer service generally say when asked questions?

What to ask in a corporate loan interview? A summary of the five core issues you must read before taking out a loan!

Nowadays, when companies go to banks, financial institutions or loan companies to apply for loans, they will basically go through the interview process. Many legal persons will be at a loss. In order to help companies improve their loan application success rate, here is a summary of the five major interviews Let’s take a look at the core issues in advance.

1. Legal representative and company introduction

1. Since the legal representative is applying for a loan from the company, we will ask about the name, time in business, who are the major shareholders, shareholder shares, financial person in charge, etc. content.

2. Introduction to the company. The nature of the company (limited liability company, private proprietorship, partnership), company establishment time, registered capital, main business, industry status, main suppliers and customers, main contracts, and whether there are laws.

2. Repayment ability

Whether it is an individual or a company, it must have sufficient repayment ability. Bank interviews will also focus on asking about these things.

The main questions include: main source of funds for repayment, secondary sources of funds, cash flow situation, income situation, profit situation, total capital, and guarantor situation.

3. Collateral

General corporate loans require collateral to be processed. Partial credit or other types of mortgages do not require it. Collateral will not be asked during the interview. problem.

Questions about collateral include what kind of collateral can be provided, where the collateral is, whether it is easily damaged, what permission is required to use the collateral, how to evaluate the value, and whether personal assets are used as security.

4. The relationship between customers and banks

Many banks require enterprises to open settlement accounts with their banks and have certain business transactions, so that the loan success rate will be higher. So I will simply ask some related content.

Common questions include which banks the company currently does business with, which banks it has applied for loans from, why it chose this bank, whether there are any outstanding loans, and the amount and term of the loan.

5. Loan requirements

During the interview, the loan officer will ask you carefully about your loan requirements. For some companies, the loan amount and term do not meet the qualifications, and the loan officer will suggest a replacement. A suitable scope can help companies improve their loan application success rate.

The issues involved include: how much money you plan to borrow, how to calculate this value, what will be the demand for loans in the future, and the purpose of the loan.

In short, before applying for a business loan, an interview is a necessary process. The loan officers are experienced and know the loan products very well, so you should actively communicate with them to formulate a loan that is most suitable for you.

What will be asked on the loan review phone number and how you answer it will give you extra points

Generally, when borrowers apply for a loan, they will be reviewed by the lending institution, and most of these reviews are done over the phone. carried out. So what will be asked on the loan review call? How should a borrower answer that will score points? Next, I will sort out and analyze some common questions and answers for you. I hope it can be of reference to everyone and prepare you for the loan review call.

What will be asked during the loan review phone call? Specifically, there are three aspects:

1. Ask about basic personal information

Generally, the borrower’s personal name, ID number, income, marital status, occupational unit, etc. The bank will judge whether you have the ability to repay based on these basic conditions. These contents have been filled in by you in the submitted information. The purpose of asking again is to conduct an authenticity investigation to see if you have committed fraud and deceived loan users. For this kind of question, we must answer truthfully and not lie.

2. Ask about the overdue situation

The borrower's overdue situation is directly related to his credit. Lending institutions will judge whether the borrower's credit is good by asking about the borrower's overdue situation. If you don't have any past dues, you just need to answer truthfully. If there is a past due record, as long as the borrower provides a reasonable explanation for the overdue behavior and there is generally no taint such as malicious default, the bank will relax its requirements and will not affect the borrower's loan.

3. Ask about the debt status

The debt status of the borrower is an important question asked by the lending institution.

Different lending institutions have different acceptance standards for debt. Some have a maximum debt limit of 50%, while others have a limit of 70%. But regardless of the amount of debt, it is obvious that the higher the debt, the harder it is to pass the loan review. Therefore, when answering this question, make the credit examiner confident in your repayment ability and clearly tell the credit examiner your other income besides salary.

The above is the complete content of what will be asked during the loan review phone call, and the corresponding answers are also organized. I hope you can refer to it and master the conversation skills so that you can handle it with ease when you receive a loan review call and successfully apply for a loan.

What questions are frequently asked during loan phone interviews

Question 1: Purpose of borrowing

You may also be asked about the purpose of borrowing. Generally speaking, as long as it is not used for investment , gambling, etc., no problem.

Question 2: Basic personal information

The loan approval phone number is to verify the authenticity and accuracy of the information submitted by the borrower, so it is necessary to ask for basic personal information, which generally includes the personal name. , ID number, occupation, monthly income, nature of work unit, length of employment, marital status, spouse’s occupation, etc.

Question 3: Debt situation

Liability situation is also one of the key questions. Each financial institution has different acceptance of liabilities, but what is clear is that the more liabilities you have, the harder it is to apply. The harder it is to get a loan.

Question 4: Overdue situation

Whether you are getting a loan from a bank or other institution, credit is an aspect that everyone pays great attention to, so the overdue situation is also one of the questions asked during the loan approval phone call. , for example, asking you if you have ever been overdue and what were the reasons for the overdue.

Question 5: Business conditions

If the borrower is an enterprise or self-employed person applying for a business loan, the lending institution will also ask about the company's business conditions during the approval call. If the situation is good , the chances of passing approval will also be higher.

What are the questions about online loan return calls? Pay attention to these and your next payment will be stable!

With the continuous development of the online loan industry, more and more people are borrowing money online, through mobile phones, etc. The review of online loans mainly relies on the borrower’s personal information, credit report, phone number, etc. Among them, the review phone call is a critical part. As long as you receive the call, more than 90% of them can place the payment. What are the specific precautions?

1. What will be asked during the telephone return interview?

1. Verify that you are the person

In fact, the main purpose of making a return call is to verify your personal information and whether you are applying for it, so as to avoid the situation of being "loaned". The customer service will according to your Fill in the personal information and allow you to simply repeat the relevant content.

2. Verify unit information

On the one hand, it is to verify the unit information. On the other hand, it is also to understand the nature, size and position of your unit. It is recommended to submit the information you applied for before. Record them all. Too much difference can easily lead to your loan application being rejected, and customer service will think you are forging information.

3. Authorized e-commerce platform

If the platform requires binding a certain Taobao or email account, it may ask about some e-commerce content, such as Huabei, Borrowing, etc. What's the credit limit, whether it's overdue, what's the current Sesame score, etc.

4. Loan purpose

The loan purpose is the main focus of customer service inquiries, because no lending institution wants the borrower to use the loan to do illegal, illegal, or high-risk things. Therefore, everyone should consciously avoid it when answering the phone, and do not be tricked into saying that it is used to pay off another loan.

2. Precautions for telephone return visits

1. Avoid missing calls

Since the return visit calls are made manually and there are too many people, it is impossible to call you all the time. If you miss a call, you may still have a chance. If you miss it more than twice, you may be rejected, because the phone is turned off, has an empty number, and refuses to answer the phone, which may lead to the inability to find the person for collection in the future. In order to avoid this kind of thing, during the return visit This group of people will be rejected. Everyone should pay attention to keeping their mobile phones open.

2. Pay attention to your attitude

The tone of your answer should be neither humble nor arrogant. Don’t be timid or scared. In addition, answer questions should be direct and straightforward. Don’t think about it for too long or remember nothing. , it will arouse the suspicion of the customer service staff.

To sum up, in fact, return phone calls are easy to deal with. As long as you listen more and talk less, and answer the customer service staff's questions, there is basically no big problem.

The 15 most frequently asked questions by loan customers are all here!

After working in the credit industry for a long time, you will always find some rules. When serving loan customers, you will find that what customers actually focus on is just how much money they can borrow? How much is the interest? How long is the deadline? "Money, interest, and term" are the main concerns of customers when taking loans. Only by grasping the issues that customers are concerned about, prescribing the right medicine, and answering their questions can you show your professionalism and reliability without offending customers.

So, what issues do loan customers pay attention to when taking out loans? How to answer this? The following 15 questions are the most frequently asked by loan customers. I hope you can answer them fluently when serving customers.

1 Are your loans legal?

We are a financial institution specializing in credit loans. We have a legal business license, and we have been in business for many years since our establishment. We have always had a good reputation in the industry. You can go to Understood. We do not charge any fees before the loan is made, and there are no fees if the loan is not successful, and the fees will be incurred in the next month after your loan.

2 Are you right (the interest rate is too high)

I understand your thinking. We are a formal financial institution with a legal business license. You can rest assured on this. As for the high interest rate, it depends on who you compare with. Compared with banks, we are indeed at a higher point, but what banks need is mortgages and guarantees of real estate. You must also know that if you could easily get a loan from a bank, you wouldn't come to consult, right?

Our approval speed is fast, the procedures are simple, and the approval results can be obtained in as little as one day. In addition, we provide short-term revolving loans, which are short-term and suitable for short-term loans.

(Highlight product features) If I give you 100,000 yuan, you can’t earn 2,000 yuan a month. I think if I give you 100,000 yuan, you can’t earn 2,000 yuan a month. I You think you can make money in any industry, right? Besides, we want you to expand and operate, but you are using other people's money to make money, right? (From the customer’s profit perspective)

3 How do you get the loan?

It is very simple to get a loan from us. You only need to provide the corresponding materials (ID card, work certificate, salary certificate, address certificate...according to the examples required for your product), and we will You will be notified of the approval result after X working days.

4 How much can I borrow based on my current situation?

The loan approval limit is mainly based on your credit rating, monthly income, whether you have taken out a loan before, etc., as well as a comprehensive evaluation of the materials you provide. However, there are quite a few successful loans in your industry. I will try my best to help you get the highest amount, but of course, this is inseparable from your support and cooperation.

5 Why didn’t my order go through?

I’m very sorry that I couldn’t help you. Because your comprehensive score is insufficient, it has not been passed for the time being. Thank you for your support of our company. We can accept it again after X months.

6What should I do if I cannot repay the loan on time?

We loan you money in the hope that your business will expand and operate. We always firmly believe that you are an honest customer. Besides, you can’t let this small amount of money affect your reputation, right! The amount of our loan is the repayment amount agreed based on the actual situation of your business. If you cannot repay on time, it will affect your credit record (in serious cases, it will affect your future housing loans, car loans, etc.), and it will also incur late fees. . If you are malicious in defaulting, we will solve it through legal channels. Now that collection companies have been legalized, we don't want this unpleasant thing to happen.

7 Loans are very troublesome for you!

We are doing credit loans, and we need to understand the basic situation of you (or the company). The investigation will take about 2 hours. How can we cause trouble? The more detailed and complete information you provide, the more helpful it will be for your loan approval! There are many loans on the market today that promise to give you money just by filling out a form. If you don’t even provide any inspection information, you wouldn’t dare to get such a loan!

I also really want to help you get this loan. If I didn’t want to give you a loan, I would have hung up the phone long ago, right!

8Are there any longer term loans?

Not yet, we are committed to providing customers with short-term working capital loans to solve short-term difficulties. From your perspective, the shorter the time, the less interest you pay! We can use it on a recurring basis, and the loan can be renewed after it expires, and there will also be preferential interest rates.

9 Your repayment period is not flexible

The terms of our loan are only X and XX, but it can be settled in advance at any time. And you can freely choose the term, and we will also give you a reasonable loan term based on the actual situation.

10How can I still charge liquidated damages for early settlement?

First of all, your difficulty has been solved. This is what you care about most, right? Early settlement will save you the remaining interest and management fees, which is relatively appropriate. Besides, the repayment period has been agreed upon when signing the loan contract, and any violation of the contract is of course a breach of contract.

11Why can’t the repayment be settled in installments in one lump sum?

Installment repayment can help reduce the pressure on your business and make it more convenient and flexible for you. They all use installment payment methods, such as home loans, car loans, etc. Microcredit is unsecured and unsecured, and the relative risks are relatively high.

12Can I still get a loan if I have one in the bank?

As long as your credit record is good and you meet our loan conditions, we will help you apply for it based on your actual situation.

I don’t want others to know about the 13 loan

Please rest assured that we will respect your personal privacy. Your spouse must know about the loan. Of course, if you can let your friends know and support it, your loan success rate will be relatively high.

14 Can a company borrow money without a license?

You can bring your ID card and venue rental contract to apply. What we focus on is your physical business. As long as your business is running well, we will help you handle it.

15 credit cards are more convenient than you!

Both have their own advantages. The advantages are: the loan limit is higher than that of a credit card, and it is fast and easy.

There is no comparison between credit cards and loans. Credit cards can only be used for consumption. Cash withdrawals also require handling fees and interest, and interest is compounded. The loan is in cash and is repaid in equal amounts with equal interest.

What are the general questions about loans and what questions do customers ask?

What are the general questions about loans?

Personal loans, although many banks and financial institutions currently offer Loan products are different, but as long as it is a personal loan, the products can be classified according to guarantee conditions and loan purposes.

1. Guarantee conditions: It can be divided into two categories: credit loans and guaranteed loans.

1. Credit loan is a kind of loan that does not require mortgage guarantee and is based on the borrower’s personal credit. It is like many online loans on the market, such as Huabei, Jiebei, Zhaolianhaofidai, etc. Etc., there are also credit loans from various banks, such as e-zhaodai, e-financing, etc.

2. Guaranteed loans can be divided into guaranteed loans, mortgage loans, and combination guaranteed loans, which require certain assets as collateral or a guarantor guarantee.

2. Common loan uses include personal housing loans, personal business loans and personal consumption loans, as well as some agricultural loans and national student loans.

1. Personal housing loans: These are launched by banks, including commercial loans, provident fund loans, and portfolio loans. If broken down, they can also be divided into first-hand housing loans, second-hand housing loans, etc. wait.

2. Personal business loans: generally used for self-employment, such as business owners, corporate legal persons, self-employed individuals, etc. can apply;

3. Personal consumption loans: many types , such as car purchase consumer loans, renovation loans, etc., because they are earmarked funds, these types of loans will require documents proving the purpose of the loan.

Questions that customers generally ask;

1; "Are your loans legal?"

2; "Are your interest rates high? "

3; "What are the conditions for your loan?"

4; "How much can I borrow in my current situation?"

5; "I Why didn’t the order go through? ”

6; “What should I do if I can’t repay the loan on time?”

7; “Are you having trouble with the loan?

8;"Is there a longer term loan? "

9; "Is your repayment period flexible? ”

10; “Are liquidated damages charged for early settlement? "

11; "Can the installment payment be settled in one go? "