Why do banks now always call me to ask if I want a loan

Banks generally have telemarketing requirements, so the bank staff will call you to let you apply for a credit loan.

There are two other types of phone calls to promote loans: one is the so-called "lending institutions"; the other is a scammer.

General intermediary platforms, loan companies, etc., with the bank side of the cooperation. There are a number of channels to understand some of the loan or loan needs of the user, and then call to ask, it is normal.

The lending institutions are to rely on the introduction of customers to eat, for them, a wide range of thin income is normal, through the phone call 10,000, of which there is a desire to loan may be only 500, the 500 may be only seventy or eighty to meet the conditions of the bank's loan, but this is for the lending institutions, is enough. This is because they have higher profit margins than the banks and do not take risks.

If you are a civil servant, a state-owned enterprise, or a worker in a public institution that is perfectly normal. Banks love these groups the most, interest rates are given directly to the lowest in the market, and approvals are easy, so all bank staff will actively call this segment of the clientele, after all, the market is just so big.

Why do they always call you? Generally, it is possible that you have done relevant business with that bank and that bank has information about you. For example, you handle a bank's general credit card, at this time your credit and other information will be obtained by that bank (unit, education, level, property, income, etc.). Then through the big data to match whether to meet the qualifications of the credit products for processing, in line with the words, this time there will be: in order to give back to the old customers

Why are there so many lending companies called to say that the bank of so-and-so, ask for a loan?

To give you an amenable to the story of a close friend, it is tempting to figure out what exactly the relationship, I do not know if the platform will pass!

Besides a friend, opened a bearing factory, due to poor management, but also because of the epidemic relationship, there are financial problems.

The problem is that his credit in March when the problem, credit card overdue, there are three online loans overdue, plus itself has a bank property mortgage, he also wanted to further property mortgage loan amount to increase some, but asked a few banks have given a refusal. This is even worse for him to add to his troubles. The company's main goal is to provide the best possible service to its customers," he said, adding that the company has been working on a number of new projects in the past few years.

However, in late September, he actually made a phone call to invite us to dinner, and then happily told us that the problem of funds was solved. How was it solved? He told us the result at the dinner table.

Originally, in early September, he happened to know a bank often do intermediary, that person to his credit after reading, told him small things ah, two hundred and fifty thousand to three hundred thousand three-year period of use to ensure that can be lent out, but the need for intermediary fees is 10 points. That is to say, if three hundred thousand dollars loaned out, the intermediary will be 10 points 30,000 yuan. As a result, my friend thought about the working capital and arrears, forget about it, and thought that three years plus interest, cheaper than private lending, but also agreed. Relationship credit and so on, it seems that it will not be a problem, 10 days time, did a good loan.

Perhaps some people will feel that I am talking about the story of the sky, perhaps in this financial mix of fellow travelers feel that what I say is not at all false, very real, and even disdain, everywhere. But what I can't figure out is what is the relationship between this bank and the intermediary? Why the bank can not directly loan to the customer, but through the hands of the intermediary is completed, the most important thing is that the intermediary charged a brokerage fee of 10 points, as far as I know, some of the intermediary through the intermediary of the intermediary to collect more, 15 to 18 points, and when I know that these are the time, froze half a day did not wake up from the shock, the mouth half a day, it is not the so-called gray area that we often hear about it?

If this can be explained, the loan company called to say that so-and-so bank to get a loan is not clear? Of course under the banner of Ping An Bank to do loans even more so. So-and-so P&C's service fees and so-and-so Ping An's insurance premiums are also enough for the lender to drink a pot of water.

I don't know if the platform will give me a pass if I write this out. Don't make me hundred typed so many words, right? Blessing blessing!

First of all, this is certainly a set of professional words, after all, say so-and-so bank is more credible, give people the rejection rate is not so high. There are still a lot of people who need loans, and now some big apps, you can borrow money, but the interest rate is high. It gives the impression that you will pay a lot more interest. But when it comes to banks, it is different, formal institutions, the interest rate is relatively low. So those loan companies will say it is a certain bank, in fact, it can be their company has a cooperation with the bank, the bank through the intermediary company and get a guarantee, but also can earn more than direct lending, they are also very happy. Do not believe that you can look carefully, the bank app on the loan, is and so and so company cooperation, to put it bluntly is the bank and then set up a company, through this company to lending, earn more interest!

To say it is all funny, flying knife himself is the bank small loan department, do small loans themselves. Also got a call from an intermediary selling loans from Flying Dagger's own bank.

Generally speaking, mortgage brokerage fee of 1%, credit class loans 3%-5%? Think about it, a $5 million mortgage loan that earns $50,000 dollars.

And the loan brokerage fee are good to collect, because the owner of a successful loan, immediately see the money, but also willing to pay the brokerage fee (this is not the same as the housing agent).

Modern society, information is becoming more and more transparent.

Many customers go directly to the bank to get a loan. Loan brokers are getting harder and harder to do.

Customers are getting harder to find.

Previously the loan referral call was Do you want a loan?

Then it was I'm a so-and-so bank partner.

Now it's I'm the credit department of such-and-such bank.

This is getting progressive.

Lending policies vary from bank to bank. There are differences in approval scales.

There are also subdivisions of bank creditors, some do big corporate credit, some do micro business lending, some do consumer lending. Some don't do loans at all.

If customers go directly to the bank, they often can't find the person they are looking for.

The Beijing municipal government set up the First Loan Center. It brings together 22 banks who do loans to micro, small and medium-sized enterprises (MSMEs).

As long as you go there, you can understand the credit policies of the 22 banks. As long as you meet the requirements, the loan application will be accepted and processed directly.

Brokering is even harder.

Why is it that people often give a call to ask: do you need a loan, interest rates and banks

Why is it that people often give a call to ask: do you need a loan, interest rates and banks

Those are the so-called telemarketing companies, which have no capital of their own, are utilizing the asymmetry of information and calling to find out the need for financing The first thing you need to do is to find a way to get the money you need to pay for the services you need. No pre-existing, if you are already a China Merchants Bank users, and download the China Merchants Bank mobile banking APP, you can try to login to the mobile banking, my - all - loan - I want to borrow money to try; or through the credit card for borrowing; login to the palm life, click the bottom of the "card. Finance" - "I want to borrow money", subject to the results of the audit. Non-Merchants Bank card (no Merchants Bank area) can try to apply for "E Loan", you need to download the China Merchants Bank Palm Life APP operation, online audit, the fastest 5-minute disbursement; or apply for "E Flash Loan" (no Merchants Bank card, but there is a Merchants Bank in the local area). The first thing you need to do is to get your hands on some of the most popular products in the world.

The bank owes money to the bank, the bank calls every day need to answer

Owe anyone money is good, do not owe money to the bank, you do not answer the bank can use a variety of ways to kill you

Some people call me and ask me if I need to speculate on the soft and consulting

The soft is almost the same.

The flush personally feel the best, big wisdom, self-selected shares, the rate of easy to expensive V, through the letter, have used to feel the Oriental wealth to use up convenient, and then is the speed of the selection of the brokerage firms, the new era, the wisdom, Hengtai, these are all can be.

One day overdue, how to do, need to call the bank

Don't know which bank credit card you are? Most bank credit cards do have deferred payments.

Why would someone call to ask me if I need online store hosting

Personal advice to take care of it, or ask a more familiar staff to take care of this area, because a lot of the so-called hosting is to rely on the single brush out of the surface to see the turnover went up, but the actual income is not much more than that, and now Alibaba for the management of single brush is very strict, if found out on the shop will have a lot of trouble, but the company is also a very important part of the company, but the company is also a very important part of the company. If you are found out on the store will have a great impact, you might as well pay the hosting costs to do some corresponding paid promotions, and now the monthly sales in 20,000 yuan also shows that your store has a certain amount of traffic, and then do some promotions should have a great effect, hosting or to consider doing it again, the late operation is not so easy Oh, I hope to help you.

Do you need to apply to the bank after the mortgage rate is lowered?

In accordance with the provisions of the National Provident Fund loan management. January 1 every year for the provident fund loan interest rate adjustment time, if the provident fund interest rate than the previous year to rise or fall, the mortgage interest rate also make corresponding adjustments, re-calculate the monthly payment based on the principal and interest rate.

There is no need for the lender to go to the bank or provident fund management center to apply, the system will adjust automatically.

In the bank loan 35000, need to take what for offsetting pressure?

China Merchants Bank (CMB) has a flash loan business. Currently, you can only apply for it through mobile banking, or review whether you are eligible to apply for it.

If you have a savings card from China Merchants Bank, you can log in to mobile banking and access the application page at "My→All→My Loans→My Lightning Loan".

The maximum loan amount is 300,000 yuan, and the minimum is 1,000 yuan; your specific amount will be approved according to your business in China Merchants Bank, and you can review the application successfully.

Many phone calls asking for a loan are introduced to chat here.