Bank calls to work are one of the most exciting stages of loan processing. The borrower does not know how the employer will react. He can also only guess what questions the creditor representative will ask. Can the employer disclose information about you and what will the bank employees ask? Let's figure it out.
Is it possible to do without calling the employer?
Usually, a call to an employer from a bank has only one purpose - to make sure of the client's solvency. If we are talking about issuing a large unsecured loan, it is important to assess the financial situation of the borrower.
However, this can be done without calling:
If the bank client is ready to confirm income with a qatar mobile database certificate in the form 2-NDFL.
If he can provide the creditor with a statement from the Pension Fund account requested through the State Services portal.
If, based on the information provided, you have been receiving a stable income for at least six months, then there is usually no need to call your employer. The only motivation may be the lender's desire to make sure that the client is not in the process of being fired.
When else might banks not call you to work?
Many banks prefer to rely on data from official documents rather than the words of colleagues and managers of the potential borrower. The human factor plays a role - the client may be on good terms with the respondent, so the information provided by the latter will not be entirely objective.
But it is difficult to decide to forge documents even because of close friendship, because it is a criminal offense. Therefore, confirmation of income with certificates in the established form is the main reason why banks do not call a potential borrower at work.