What does a credit interview mean?

Question 1: What does the bank face-to-face sign mean? Refers to the borrower (together with the repayment or guarantor) carrying legal and effective certificates, signatures and original loan fees; Go to the loan bank to pay the loan fee and go through the interview and signing procedures. Also refers to the interview. One of the key points of the interview is to dispel the suspicion of the other party's immigration.

Face-to-face signing is a necessary procedure to apply for a loan from a bank. When applying for personal loans, borrowers need to bring ID cards and other documents to the bank to sign IOUs and contracts. Experts in Duoqian.com suggest |: It is called face-to-face signing because it requires the borrower's personal signature.

The main purpose of face-to-face signing is to prevent borrowers from borrowing without the ability to borrow and maliciously defrauding loans. When signing face-to-face, the borrower should bring all the information, including the original real estate license, sales contract, salary table, employment certificate, ID card, household registration book, etc.

Question 2: What does the bank loan face-to-face sign mean? It means that you need to sign the contract with the bank face to face, or sign the contract face to face if the loan is successful. You can understand it as meeting to sign a contract. Generally refers to the interview signing-the previous step of waiting for the loan.

Question 3: I want to buy a house. I said I want to sign it in person. What is a face-to-face interview? The developer asked for an interview because he wanted to verify the real situation of the buyers.

Face-to-face bank signing refers to the materials used by buyers (including * * * someone) to sign loan contracts, mortgage contracts, application forms, commitment letters and other applications for loans.

The Housing Authority needs both husband and wife to be present, and take photos and samples when making the advance notice registration of the purchase contract. Therefore, it is also necessary to sign in person.

Question 4: What does the face-to-face interview mean? Face-to-face, face-to-face and written contract agreements, as well as face-to-face and negotiation, are all face-to-face

Question 5: What does the face-to-face signing of provident fund loans mean? Sign the contract face to face and lend money face to face.

I hope I can help you. If your problem is solved, please adopt it. Thank you.

Question 6: What is a bank loan interview? What is the process of face-to-face review and then lending?

Question 7: What should I pay attention to in the bank loan interview? Your work unit name, work unit address, telephone number, position and income are the same as the information you submitted. There is nothing else to pay attention to. If the information given by the bank needs to be signed, just sign it. Don't pay attention, because if you don't sign it, you won't give the loan.

Question 8: What do you mean by second-hand housing and loan interview? Popular face-to-face signing means that the borrower (together with the borrower or guarantor) carries legal and effective original vouchers, signatures and loan fees; Go to the loan bank to pay the loan fee and go through the interview and signing procedures.

If you want to know, pretend that the buyer will go to the intermediary to experience the whole process, and finally say no.

Question 9: What are the precautions for bank loan interview? "Face-to-face signing" means that in the process of buying and selling second-hand houses, if buyers need to apply for bank loans, both buyers and sellers need to go to the bank for face-to-face signing. What are the precautions in the face-to-face signing process? What is the face-to-face signing process? Let's give you a detailed introduction.

Many buyers are buying a house for the first time and don't know much about buying a house. However, the process of buying a second-hand house is complicated and needs to be cautious. Today, I will explain the process and precautions of second-hand housing face-to-face signing for you.

Matters needing attention in face-to-face signing of second-hand housing bank loans:

First, the basic situation should be listed in the contract.

Name, domicile and contact information of the buyer and seller. When signing the contract, if the buyer and the seller are not present to sign it, it is necessary to check whether there is the original power of attorney of the signatory, and then sign it after confirmation.

Second, clear the payment method and time.

First of all, it is necessary to make clear whether the house price is net or tax-included.

Secondly, if the buyer pays the house price with a loan, it is necessary to specify the down payment ratio, payment time and the amount of the buyer's loan.

In addition, there are commercial loans, provident fund loans and portfolio loans, each of which requires a different cycle. Usually, it takes about 15 days for commercial loans to be approved and released, and it takes a relatively long period to apply for provident fund loans. The seller should choose the buyer carefully according to his actual needs. If the seller is in urgent need of money, then it is best not to choose the buyer of the provident fund loan.

Thirdly, if the buyer chooses the loan method to pay the house price, it is necessary to agree on a reasonable period for the bank to approve the loan. If the bank refuses to grant loans beyond this time limit, it may agree that the buyer shall pay the house price in full. If the buyer still fails to pay the house price within a certain period of time, the buyer shall pay liquidated damages to the seller for each day overdue, and the seller has the right to terminate the contract after a certain period.

Third, clear the basic situation of the house. If there are any quality problems in the house, it should be made clear to the buyers.

Such as the nature, age and structure of the house. Because if the buyer chooses to pay by loan, the situation of the house itself (such as the construction cycle of the house) will directly affect the evaluation price of the house, thus determining the loan amount of the buyer. If the loan amount of the buyer is agreed in the contract, the loan will not be approved due to the problems of the house itself, which will easily lead to disputes. If the seller gives an honest account of the housing situation, even if there is a dispute, it will not be blamed on the seller.

Four, the payment of housing price and the transfer of property rights and real estate delivery.

For sellers, the biggest risk is that they have not received the house payment after transferring the house to others. Therefore, when signing the sales contract, he should combine the payment of the house payment with the transfer of property rights and property delivery to prevent the situation of paying the house first and then collecting money. If the buyer pays the full amount, he must pay the house price after receiving the full amount. If he pays by loan, he must transfer the ownership after seeing the loan approval notice from the bank, so as to ensure that once the account is closed, the loan bank can smoothly issue the loan to the seller.

5. If the buyer chooses full payment, in order to ensure that the seller can safely receive the remaining house payment after the transfer, it can be considered to put the remaining house payment in a third party recognized by both parties before the transfer, which can prevent the buyer from not paying the remaining house payment after obtaining the real estate license.

Six, clear the buyer's liability for breach of contract for overdue payment and the seller's unilateral right to terminate when the buyer defaults.

Seven, clear tax commitments. The taxes and fees that should be borne by the seller in the process of second-hand housing transactions include business tax, personal income tax and land tax, but in practice, these expenses are either paid directly by the buyer or passed on to the house price by the seller. Therefore, the seller should combine the tax burden to determine the house price. If the contract stipulates that the taxes and fees shall be borne by the buyer, then the seller may consider lowering the house price appropriately. If property buyers don't pay taxes, then house prices will rise.

Question 10: What does CreditEase's face-to-face loan application mean? It means that you can apply in their store, and the customer service staff can't submit the application materials until they see the customer himself.