The bank interview means that the borrower (together with the repayer or guarantor) needs to bring the original ID card, hand stamp and loan fee until the bank signs the IOU and contract, and conducts an interview. and signature procedures.

The purpose of the bank's face-to-face signature is to verify the identity of the borrower and the authenticity of the purpose of the loan, thereby reducing the risk of the loan and preventing malicious fraud due to the borrower's inability to repay the loan. It should be noted that the face-to-face signature must be signed by the borrower in person and not by someone else.

Extended information:

Materials for bank interview:

Home buyers

At the end of the down payment, the developer will prepare loan materials Give home buyers advance notice. Depending on the buyer’s marital status, the materials that need to be prepared are different. The details are as follows

Required materials: ID card, household registration book, income certificate, copy of business license with official seal, bank statement , degree certificate (public institutions, state-owned enterprises, Fortune 500 companies cannot provide a copy of the business license with official seal, but can provide a work permit). And proof of income requires opening enough pipes, and there is no need to provide running water. )

The client is married: both husband and wife will be present at the same time and provide necessary materials and marriage certificates from both parties.

Single client: Only one person needs to be present and provide the required materials.

Client Divorce: Only one person is required to be present. And provide the necessary materials, divorce certificate, and divorce agreement (the divorce agreement must be transferred to the Civil Affairs Bureau).

Baidu Encyclopedia - Interview