When buying new cars, many consumers choose to pay in instalments. However, it is not easy to pass through a car loan, and one of the essential elements is a telephone audit. So, how many calls do we have to take? What's the question

How many calls do I have to take for the car loan clearance

First, it needs to be made clear that different banks and financial institutions have different requirements for telephone audits. Some agencies may require only one telephone call, while others may require two or three telephone clearances. In general, if the amount of the loan is larger, the number of telephone reviews will also be higher, as banks need more detailed information about borrowers to further assess risk。

So, what are the questions that banks ask in phone audits? In general, banks ask questions about the borrower's personal information, income, use of the loan, etc. These issues are also necessary information for banks to audit borrowers. In addition, some of the more stringent agencies may be able to conduct reimbursing loan scenarios on the telephone, such as asking borrowers about their expenditures, fixed monthly expenses, etc., to further measure borrowers' repayment capacity。

In addition, because of the higher risk of car loans, some banks may conduct verifications in the course of their audits by other means, such as in situ visits to the borrower ' s residence, work place or contact family members of the borrower。

In general, the number of telephone calls required for a car loan audit is not general, but it is certain that the bank will ask for the necessary information about the loan in the telephone audit. We need to prepare for this in advance in order to pass the audit properly。