I am a loan agent, and my job is actually quite easy to do. It may be a little difficult when there are no resources in the early stage, but it will be easier after you get started. We don't usually go out to socialize, and there's nothing to socialize with.
How to say this industry, it can still be done in recent years, but the future is really uncertain, and at the end of the year, the bosses of some small and medium-sized enterprises are more or less short of money.
Is Shenzhen loan industry easy to do in 2022?
It is not easy to do According to the relevant information of the loan industry, it is known that the loan industry in Shenzhen is not easy to do in 2022. In fact, all financial industries are the same, whether it is insurance, loans or securities, you will find that these industries are the most profitable, and these industries are also the most affected by policies. The closer to the money, the worse the industry, and the better the money. However, the closer you get to money, the more you will be supervised, because if you let it go, the world will be in chaos.
How about a loan?
The work is as follows:
Overall, the performance pressure is relatively high.
Working in a loan company, I am mainly responsible for the marketing of loan business, grasping the potential customers to promote the company's credit products, doing business positioning and customer questions and answers in my daily work, handling the reception of various businesses for customers and solving various problems encountered by customers in the process of handling business.
At work, we must conduct an all-round audit of loan customers and be familiar with the information of borrowers and guarantors. This job requires not only strong communication skills, but also strong judgment. Actually, this job is more like a salesman. The incumbent should have strong endurance and pressure resistance, do more business, take more orders, get more commission and earn more money.
Introduction:
Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
What is the current situation of the loan industry?
Personally, I feel that the situation in the loan industry is getting better and better now, because most people like to borrow money for some consumption or business, and most people like to borrow money by stages, that is, to spend in advance, so many people like the feeling of spending in advance. The loan industry that we have the most contact with may be Alipay or some loan products in JD.COM. Flower buds are probably used by most people, and they are also widely used. It can be seen from these points that the prospect of the loan industry is very good now. Moreover, the loan industry is a very profitable industry. Generally speaking, the loan industry is unprofitable, only needs a little cost, and then gains a lot of money. Now let me talk about my understanding of the current situation of the loan industry.
First, the loan industry is a very profitable industry.
We all know that the loan industry is very profitable at present, because the interest they charge may be at least around 10%. If the loan is 10 billion a year, they may get 10 million interest. And some interest rates are very high, and you may have to charge 20% interest fees a year, so you can make money at cost.
Second, there are many users in some industries.
Nowadays, young people like to buy some expensive products or eat some delicious food, so most people will use some products from the lending industry for consumption. This is an expense we are exposed to, and most young people are using it. Flower buds can be paid in installments, but many users need to pay interest in installments.
Third, most people like the feeling of spending in advance.
Borrowing money and repaying it in installments can get a lot of money in advance. This kind of consumption can also be called consumption in advance, and it will be ok in the future. Many people like this feeling of spending in advance, so there are more and more users, which is also good for the development of the loan industry.
Everyone must pay attention to the acceptance of this product, because sometimes blind borrowing may lead to inability to pay.
202 1 Is it easy to get a financial loan?
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 on 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.