1, if the loan officer wants to sign the bill as soon as possible, he can call and say, "I will text you the application materials. Please prepare the materials as soon as possible. If you have any questions during the preparation, you can contact me at any time. If the information is complete, we can lend money on the same day at the earliest. Do you think you are ready to come today or tomorrow? The last question asked here is best to let the customer choose an alternative answer to limit the time, and it is also convenient to follow up on his answer later.
2. If the customer is not in a hurry, the credit can say "Never mind, then I will send you the information that our company needs to prepare, and you can write down my phone number. If you have needs or friends around you have needs, you can contact me at any time. " It is best to inform customers of the company's website or introduction, so that customers can trust them more.
3. When doing telemarketing, remember that it is better to die with customers than to lose them. There are so many loan companies now that everyone is playing telemarketing. If you neglect to keep up with the customer for a while, the customer will finally take the prepared materials to find someone else to apply.
Loan type
1, mortgage loan
This kind of loan is a common way, and the collateral generally recognized by banks includes: houses, shops, office buildings, land and so on. Mortgage loan refers to the loan that the borrower obtains from the bank with a certain amount of collateral as the guarantee. When the loan expires, the borrower must return it in full, otherwise the bank has the right to dispose of the collateral as compensation.
2. Mortgage loan
There are two ways of mortgage: primary mortgage and secondary mortgage. The former is a loan when buying a developer's new house. At this time, the developer has not yet obtained the real estate license and land certificate of the house. Generally 1-2 years later, the developer can only get the real estate license and land certificate after paying off the development loan. The latter is a loan when the buyer and seller buy a house. At this time, the seller has real estate license and land certificate. What should be emphasized here is that the difference between mortgage loan and mortgage loan is that mortgage is to take the house after the loan; Mortgage means that you must have an existing house to mortgage in order to get a loan.
3. Credit loan
It is a loan issued by the borrower's credit, generally without mortgage or guarantee. The characteristics of applying for credit loans are: high risk, generally high income and strict credit requirements.