Hello, at present, to apply for a loan from a bank, you need to check your personal credit information and liabilities first. If the score is not enough, you must find the corresponding guarantor before you can apply for a bank loan.
2. What does it mean to need credit information for bank loans?
No I'll ask you to sign a power of attorney, so you can check your personal credit. Be clear at a glance, no bad record. But some banks want to investigate whether the loan applicant has bad habits and moral status, and may ask you to provide a letter.
3. What does it mean to need credit information for bank loans?
No way, when you borrow money from a bank, you are usually required to sign a power of attorney. After your authorization, the bank can check your personal credit information, and you will know at a glance whether you have a bad record in a financial institution. But some banks want to investigate whether loan applicants have bad habits and moral status, perhaps because they want you to provide credit references.
4. Why do you have to take a photo with the staff after signing the loan at the bank?
Sign the loan in person and take a photo with the staff. The most important thing is to confirm the borrower's signature before applying for the loan, so as to prevent others from fraudulently using other people's ID cards to bring about post-loan risks.
Background of group photo
In recent years, due to the rapid development of bank credit cards and credit loans, the general public has not only obtained bank loans, but also brought a serious compliance and risk problem to banks: counterfeit loans. For example, in the first two years, the head loan was relatively large, that is, some enterprises could not raise funds themselves, and then turned to the credit field with lower threshold and fraudulently used other people's ID cards to defraud bank loans.
On the other hand, a small number of users who don't want to repay the loan insist that the loan is not applied for by themselves and the money is not for their own use, which brings a lot of unnecessary trouble to the post-loan part of the bank.
This directly led to the introduction of bank regulations, requiring borrowers to sign in person when applying for loans, and take photos with bank account managers for archiving. Once the loan is not applied for by themselves, they can take out face-to-face signs and photos to prove it.
Specification of group photo
Face-to-face signing generally has two purposes: one is to confirm that the borrower himself applies for a loan; The second is to inform the borrower of relevant risks and authorization.
From a practical point of view, the loan application or contract contains the basic information of the borrower (the loan is filled in by itself) and the credit authorization, and some banks or consumer finance companies may add risk warnings. Usually, the borrower needs to take photos with his ID card and contract/risk notice, and take photos with the account manager with his ID card and contract.
The practical significance of taking a group photo
For banks, taking photos with account managers can effectively reduce the occurrence of non-borrowers applying for loans, thus reducing capital losses and possible credit risks; For users, it can prevent identity information from being fraudulently used to apply for loans, resulting in unexplained situations and protect the legitimate rights and interests of users.