This is not easy to do.
According to the feedback from many practitioners, the introduction of the new mortgage policy was prepared by the state to crack down on some real estate speculators. While lowering the LPR interest rate, we urge income punishment through soft violence. These related policies are all aimed at better controlling the loan industry. 202 1, the loan industry is not as good as before.
The real estate market of 202 1 highlights a "turbulence". With the implementation of the new mortgage policy and the reduction of LPR interest rate, many users said that it was much more difficult to apply for a mortgage at 202 1.
Because the new mortgage policy clearly defines the proportion of mortgage loans of major banks, 202 1, the mortgage loans of many banks are more tense than before, especially in first-tier cities. Therefore, 202 1 applying for a mortgage, whether it is the threshold for applying for a loan or the speed of lending, is indeed much more difficult than before.
The amount of bank mortgage is tight, but the number of people applying for mortgage is more and more year by year. Under such great pressure, banks can only raise the threshold for applying for loans to screen better customers, which is an inevitable trend. After 20021April, many banks even announced the suspension of second-hand housing loan business, and more than four banks in Guangzhou have announced it.
From the feedback of users who applied for loans, in addition to the difficulty in applying for loans, mortgage became particularly difficult in 20021year. Take the four behaviors of Guangzhou and Shenzhen as examples. After the previous mortgage loan was approved, users waited for about 65,438+0 months to receive the loan. 202 1 when applying for a mortgage, it takes about 2-3 months to receive the loan.
Property certificate, mortgage bank materials?
1, existing house mortgage. Real estate mortgage contract (signed by both husband and wife on site); Housing ownership certificate; Copy of land use right certificate (original inspection); A real estate appraisal report issued by a qualified appraisal agency; Bank loan contract; Proof of the relationship between husband and wife and a copy of the identity cards of both parties (original inspection), and a certificate issued by the civil affairs department where the household registration is located for singles. 2. Faster mortgage. Pre-sale contract for house purchase; Signing a house purchase loan contract with the bank; Copy of advance payment receipt for house purchase (original inspection); Copy of marriage certificate of husband and wife (original inspection), certificate issued by the civil affairs department where the household registration is located.
Is loan sales easy to do?
Loan sales should still be easy to do. Loan sales are equivalent to loan officers, that is, salesmen who specialize in lending. This job is easy to do, after all, banks hold funds, and now many small and medium-sized enterprises are short of money; It's hard to say. It's hard to do. You put the money out, and it is the last word to get it back. Otherwise, if you lose the principal for a little interest, it will be a big loss. So it is difficult to find a suitable credit customer. The salary of the credit account manager is linked to the loan interest. If the loan can't be collected, it will be miserable. The survival salary will be paid and the rest of the reward performance will be deducted. 10000 yuan or more may be done well, but it is difficult to make a difference at 2000 points.
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Earn industry sales:
1, Internet marketing industry, the rise and development of the Internet in China has made the online sales in China reach an unprecedented level and height. Look at Taobao's daily sales breakthrough of 1000 billion, and you can see the power of online sales, which is unmatched by ordinary practices. However, this kind of online sales needs innovative thinking in the new era and new media, rather than sticking to the original traditional model.
2. In fact, "5G" is a hot word on the Internet in recent two years. Almost everyone has heard of it, but it seems to have little to do with their own lives. In fact, in recent years, it has been the "peak period" for the development of the 5G industry. At present, China, as the "leader" of the development of the 5G industry, still has a long way to go.
3. Health insurance industry. With the change of population structure and the improvement of living standards, there will be more and more elderly people, and the public will pay more and more attention to the life of providing for the aged, so this sales industry will have more and more prospects.
4. Tourism health industry sales. With the development of social economy, people pay more and more attention to spiritual enjoyment, so tourism has become a way for everyone to yearn for freedom. Then the industry of healthy travel and healthy tourism has also flourished in recent years, so if this industry is recommended to demanders, it will become the highlight of sales.
Is it easy for loan salesmen to do it?
Loan salesmen are easy to do.
Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Student loan:
As a leading consumer credit information service enterprise in China, Li Rong. Com is the only enterprise in China that has launched MBA student loan program. It provides a bridge loan for MBA freshmen, which can help students easily solve the tuition problem.
MBA freshmen can apply for a low-interest student loan of10-200,000 RMB with the admission notice. If equal principal and interest repayment is adopted, the monthly interest rate is even as low as 0.7%, which is lower than the interest of bank credit card installment. After entering school with this kind of student loan provided by Lirong.com,
MBA students can apply for a national student loan with a low interest rate from the school, and then use the national low-interest loan to repay the tuition bridge funds in one lump sum. This operation requires the borrower to indicate the service before interest when applying, that is, to apply for a student loan with this form before entering school.
The best application period is six months. Generally, the national student loan applied for in September will not be approved until February of the following year. In this way, MBA freshmen don't have to worry about the high tuition fees at one time, and they can easily complete their studies through student loans.