What should I pay attention to when signing a loan face to face? 1, providing proof of income flow and funds.
Stamp the official seal of the unit or personnel department. No modification will occur. Personal income certificate should be guaranteed to be more than twice the monthly payment, otherwise it will endanger the loan credit limit. If the income is insufficient, you can increase the number of lenders. If other loans are not settled, the personal income certificate must be more than twice the total monthly repayment amount of all outstanding loans before approval.
The main purpose of face-to-face signing of financial institutions is to evaluate the repayment ability of lenders from beginning to end. It has certain economic ability and stable income, which proves that financial institutions can distinguish the repayment ability of lenders. Among them, providing marriage certificate and household registration book is the main premise to distinguish repayment ability. If you divorce, you need a divorce certificate.
2. Provide personal credit report.
Compared with financial institutions, the personal credit investigation of loan face-to-face signers is a necessary step. Whether buying a house or other loans, you need to check the lender's credit information. If you are married, you need to check the credit information of both husband and wife.
3. Provide proof of stable work unit.
Providing a stable work unit certificate or labor contract is a material that the lender must carefully prepare. In addition, in view of the running water of financial institutions, the requirements of financial institutions are confirmed by running water that lasts for 6 months.
4. Bring all valid certificates and materials.
There are relevant information when signing the contract, and the general loan will be informed in advance. ID card household registration book, scanned ID card, payroll, my interview report, etc.
How long is the credit report valid? Generally speaking, the validity of a personal credit report cannot exceed two weeks. Of course, it depends on the regulations of the lending institution. In order to maintain the credibility of personal credit report as much as possible, customers should try not to print the credit report too early, and then print it if necessary. Customers can also print their own credit reports in the People's Bank of China or its authorized banking industry. Customers can print personal credit reports twice a year for free. If the frequency exceeds, they have to pay, which users must pay attention to.
How to read the credit report 1, private information, including name, fetal sex, age, unit, mailing address and other data used to identify personal information.
2. Bank information, which records the business status of each credit card and loan in detail, actually shows the historical time of the defendant's past debts.
3, non-bank information content, record the specific situation of users in the communication water and electricity payment, such as whether there is a problem with the use of mobile phones, whether there is a deduction of public utility fees, etc.
4. Questioning the record, when the defendant's personal credit information policy is different from the specific content of the problems often reflected in the report, he can express it by adding a statement and have the right to question, indicating the protection of the legitimate rights of individuals. These are effective ways to calibrate and improve the information content of credit rating agencies.
5. Check the records. I summarized them from the records of the last six months.