Bank staff generally have the requirement of telemarketing, so the bank staff will call you to apply for a credit loan.
There are also two types of people who receive telephone calls to promote loans: one is the so-called "lending institution"; The other is a liar.
General intermediary platform, loan company, etc. There is cooperation with the bank. It is normal for some channels to learn about some users who can borrow money or have loan needs, and then call to ask.
Lending institutions make a living by introducing customers. For them, it is normal to plant widely and reap little. Ten thousand people were called out by phone, and only 500 of them may be willing to borrow money. Of these 500 companies, only 70 or 80 may meet the loan conditions of banks, but this is enough for lending institutions. Because their profit rate is higher than that of banks, and they don't take risks.
If you are a civil servant, a staff member of a state-owned enterprise or a public institution, it is completely normal. Banks like this kind of group best, with the lowest interest rate in the direct market and easy approval, so bank staff will take the initiative to call such customers. After all, the market is so big.
Why do I always call you? Generally speaking, you may have done related business in this bank, and this bank has your information. For example, if you apply for an ordinary credit card from a bank, your credit information will be obtained by the bank (unit, education, grade, real estate, income, etc.). ). Then through big data matching, does it meet the qualification of credit products? If it does, there will be: in order to give back to old customers.
Why do so many loan companies call and say they belong to a bank and ask if they want a loan?
I want to tell you a story about a friend around Amway. I really want to know what the relationship is. I don't know if the platform will pass!
I have a friend who runs a bearing factory. Due to poor management and epidemic situation, there is a funding problem.
The problem is that there was something wrong with his credit report in March, with his credit card overdue and three online loans overdue. In addition, he has his own bank real estate mortgage loan and wants to increase the amount of real estate mortgage loan. He asked several banks and was rejected. This is worse for him. By the end of August, he felt that no matter whether he could go or not, his friends thought of many ways, but they were all a drop in the bucket, to no avail.
However, in late September, he actually called to invite us to dinner, and then happily told us that the problem of funds was solved. How to solve it? He told us the result at the dinner table.
It turned out that in early September, he met a person who often acted as an intermediary with the bank. After reading his credit report, the man told him a little thing. The service period of 250,000 to 303,000 guarantees the loan, but the agency fee 10 points. In other words, if you lend 300,000 yuan, the intermediary needs 10 points to lend 30,000 yuan. As a result, my friend thought about the working capital and arrears, calculated that it would be cheaper to add interest for three years than private lending, and agreed. There seems to be no problem with the relationship between credit reporting and so on, and the loan will be completed in 10 days.
Maybe some people will think that what I said is a fable. Maybe I, a fellow traveler in finance, think that what I said is true, even dismissive and everywhere. But what I don't understand is, what is the relationship between this bank and the intermediary? Why can't banks lend directly to customers, but they do it through intermediaries? The most important thing is that the intermediary charges 10 points. As far as I know, some of them overcharge through intermediaries, ranging from 15 to 18. After learning about this, I was stunned for a long time and didn't keep my mouth shut. Is this us?
If this can explain, can the loan company call and say whether a bank needs a loan? Of course, there is no need to mention the loan under the banner of Ping An Bank. So-and-so Pratt & Whitney's service fee and Ann's insurance fee are enough for the lender to drink a pot.
I don't know if the platform will pass me when I write this. Don't make me type so many words, ok? Blessing, blessing!
First of all, this must be a set of professional vocabulary. After all, a bank is more credible and the rejection rate is not that high. There are still many people who need loans. Now some big apps can borrow money, but the interest is high. It gives the impression that they will pay more interest. But when it comes to banks, it's different. The interest rate of formal institutions is relatively low. So those loan companies will say that they belong to a bank. In fact, they can have a cooperation with the bank. The bank guarantees through an intermediary company and earns more than direct lending. They are also very happy. You can take a closer look if you don't believe me. The loan on the bank app is in cooperation with a company. To put it bluntly, the bank will set up another company to lend money through this company and earn more interest!
It's funny to say. Feidao himself is in the small loan department of the bank, making small loans himself. I also received a phone call from an intermediary to promote the loan from our bank.
Generally speaking, mortgage agency fee 1% and credit loan 3%-5%? Think about it, a 5 million mortgage can earn 50 thousand.
Moreover, the loan agency fee is very easy to collect, because the boss will see the money immediately after the loan is successful, and he is willing to pay the agency fee (which is different from the housing agency).
In modern society, information is becoming more and more transparent.
Many customers can get loans directly from banks. It's getting harder and harder to be a loan intermediary.
Clients are getting harder and harder to find.
Did you ask for a loan on the loan recommendation phone before?
Later, I was a bank cooperative enterprise.
Now I am the credit department of a bank.
This is more and more progress.
Different banks have different loan policies. There are differences in the scale of examination and approval.
Bank loan officers are also subdivided, some are loans from large enterprises, some are loans from small and micro enterprises, and some are consumer loans. Some don't lend at all.
If customers go directly to the bank, they often can't find the person they are looking for.
The Beijing Municipal Government established the first loan center. Gather 22 banks to lend to small and medium-sized enterprises.
As long as you go there, you can understand the credit policies of 22 banks. As long as the conditions are met, you can directly accept the loan application and handle it directly.
Intermediary is more difficult.
Why do people often call to ask: do you need a loan, do you need an interest rate, and do you need a bank?
Why do people often call to ask: do you need a loan, do you need an interest rate, and do you need a bank?
Those are so-called telemarketing companies, and they don't have any funds of their own. They all use information asymmetry to call customers who need financing, look for funds, and collect referral fees themselves. General investors are banks, small loan companies, private lending companies and p2p companies.
People often call me to ask if I need a loan. The interest rate is different from that of the bank.
It's just an advertisement for a loan.
The interest rate can't be the same as that of banks.
The reason why banks strictly review information is to reduce the risk of bad debts and reduce cost losses.
The interest rate of private loans will not be low, but it is still guaranteed.
Why do people always call me and ask me if I need a bank?
Information leakage is too normal in this era, so the question is, do you want unsecured credit loans?
Someone called me and asked me if I needed a loan.
You can try to apply for a loan through China Merchants Bank. There is no prophase. If you are already a user of China Merchants Bank and downloaded the mobile banking app of China Merchants Bank, you can try to log in to mobile banking, my-all-loans-I want loans. Or borrow money by credit card; Log in to Pocket Life and click "Card Finance"-"I want to borrow money" below, subject to the audit results. Non-China Merchants Bank card (no China Merchants Bank area) can try to apply for "e-loan". You need to download the operation of China Merchants Bank Pocket Life APP, review it online, and lend money in 5 minutes at the earliest; Or apply for "e-flash loan" (there is no China Merchants Bank card, but there is a local China Merchants Bank). E flash loan requires staff to collect information at home, and the application speed is slow.
If you owe the bank money, do you need to answer the phone every day?
It doesn't matter who you owe money to. Never owe money to the bank. If you don't answer the bank, you can commit suicide in various ways.
Someone called me and asked me if I needed stock trading software and advice.
The software is similar.
Straight flush personally feels the best, great wisdom, self-selection, easy to increase V, correspondence, and then the speed of choosing a brokerage firm, new era, great wisdom, and Hengtai can all be used.
What if it's overdue by one day? Do I need to call the bank?
I don't know which bank your credit card belongs to. Most bank credit cards have deferred repayment service.
Why would someone call and ask me if I need online store hosting?
Personal advice is to take care of yourself, or find an employee who is familiar with this aspect, because many so-called trusteeship are brushed out. On the surface, the turnover has gone up, but the actual income is not much, and now Alibaba is very strict about the management of brushing. If it is found that it will have a great impact on the store, you may wish to make some corresponding payment and promotion for the expenses of custody. Now the monthly sales volume is 20 thousand, which also shows that your store has a certain flow. Doing some promotion should be very effective. Please think it over before you do it. The later operation is not so easy. I hope I can help you.
Do I still need to apply to the bank after the mortgage interest rate is lowered?
Comply with the provisions of the national provident fund loan management measures. Every year 1 month 1 day is the time to adjust the interest rate of provident fund loans. If the interest rate of the provident fund is higher or lower than that of the previous year, the mortgage interest rate will be adjusted accordingly, and the monthly payment will be recalculated according to the principal and interest.
There is no need for the lender to apply to the bank or provident fund management center, and the system will automatically adjust.
The bank loan is 35 thousand. Do you need anything as collateral?
China Merchants Bank has lightning loan business. At present, you can only apply through mobile banking or check whether you are eligible to apply.
If you have a savings card of China Merchants Bank, you can log in to mobile banking and enter the application page in "My → All → My Loan → My Lightning Loan".
The maximum loan amount is 300,000 yuan and the minimum loan amount is 1 1,000 yuan; Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.
Not to mention many phone calls asking if you want a loan.