1. New loan officers can rely on the original customers to accumulate resources and join the accelerated loan for free. Your colleagues, leaders and teachers will give you some.
2. Sweep the floor or visit strangers to find customer resources;
3. The loan officer should segment the market according to the industry or other screening conditions, list customers, implement list sales, and find customer resources;
4. If you have to, you need to rely on parents, relatives, friends and other relationships to solve economic problems for people around you.
Conditions for applying for small loans:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Microfinance processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
：
First, how to calculate the interest on small loans?
Loan interest = principal * loan term * interest rate
2. What's the interest on the small loan of ABC?
1. Commercial loan:
The loan term is within 1 year (inclusive), and the annual interest rate is 4.35%;
Loan term 1~5 years (including 5 years), with annual interest rate of 4.75%;
When the loan term exceeds 5 years, the annual interest rate is 4.90%.
2, housing provident fund loans:
(1) If the loan term is less than 5 years (including 5 years), the annual interest rate is 2.75%;
(2) When the loan term exceeds 5 years, the annual interest rate is 3.25%.
3. Do I need to pay interest before applying for personal micro-loan?
Formal lending institutions will not let you pay interest first. No matter banks or non-bank lending institutions, borrowers who apply for loans will not be required to pay interest in advance, and so will microfinance. If you encounter "micro-loans pay interest first", you should be cautious. This is a common fraud method used by scammers.
4. What should we pay attention to in microfinance?
First, look at the company's qualifications first. First, the business license name of a regular microfinance company must contain the words "microfinance", which can be verified by logging in to the credit information publicity system of enterprises in this province. Secondly, regular microfinance companies "only lend and don't save". Finally, you can check the registered capital of the enterprise. If the amount is too small, less than one million, be careful.
Second, whether to charge in advance. Formal loan companies don't have to pay any fees when they borrow money, but only when they lend money. Don't believe those small companies that ask you to repay in advance with various excuses such as "down payment", handling fee and deposit when applying for a loan.
Third, is the audit too loose? With the development of financial market, credit review is becoming more and more relaxed, but those who are too loose, the procedures are too simple, and the loan interest rate is too low and unattractive should be more careful.