What do you mean by special installment interview?

As a special work, face-to-face interviews will be conducted in batches.

Face-to-face signing refers to the process that the borrower waits for the loan bank to pay the required loan fee with legal and valid documents, and then carries out face-to-face signing. Also refers to the interview. One of the key points of the interview is to dispel the other party's doubts about your immigration tendency.

When you apply for a loan, the bank will ask you (sometimes your spouse or even the owner is present) to explain your rights and obligations in the loan in front of the bank lawyer or credit manager, and sign the bank loan agreement, commonly known as "face-to-face signing".

In the bank interview, some precautions need to be paid more attention to so as not to cause unnecessary trouble:

1. proof of income: affixed with the official seal of the company or the seal of the human resources department. Nothing can change. The proof of income must ensure that the monthly payment is more than twice, otherwise the loan amount will be affected. If the income is not enough, you can increase borrowers. If there are other loans that have not been paid off, the income certificate must be more than twice the sum of the monthly repayments of all outstanding loans before it can be approved.

2. Married: Both husband and wife should be present, with household registration book, marriage certificate, education certificate, income certificate, running water, copy of business license, official seal (not required for state-owned enterprises, institutions and Fortune 500 companies), bank card, etc.

3. Unmarried words: ID card, household registration book, education certificate, income certificate, running water, copy of business license with official seal (not required for state-owned enterprises, institutions and Fortune 500 companies), and bank card.

4. If it is a second suite, you need to provide the real estate license and loan contract (settlement certificate) for the first purchase.

5. Online signing contract: At present, it is necessary for all banks to review online signing contracts, so online signing contracts must be provided. The bank approves the loan amount according to the principle of lower house appraisal value or online contract price.

6. It should be reminded that you must confirm the liquidated damages for early repayment with the bank.