The loan industry is not easy to do, as most people know, because there are two kinds of loans. One is a loan made by a formal financial company. In this case, the amount of loans involved will be relatively large, and the procedures will be cumbersome, making it difficult for customers. The other is similar to online lending. This kind of existence, if it is that kind of telemarketing, is even more difficult in itself.

Public channel:

1, borrowed by Alipay

Lending treasure is a credit product owned by Ant Financial, which has a big brand, reliability and low interest rate. Since I went online, I have been welcomed and liked by everyone. The loan bears interest on a daily basis and can be repaid as it is borrowed. There is no separate app, and the entrance is on Alipay. Borrowing is an invitation system, and you can only borrow if you get an invitation to borrow.

However, some users did not borrow it, mainly because they did not meet the conditions for borrowing. Bian Xiao briefly introduces the most basic conditions for opening a loan account: sesame seeds score more than 550 points; At the same time, the real-name authentication was carried out, and the personal ID card was bound to the bank card and mobile phone number.

2. Tencent Microfinance

Micro-loan is a credit product of Tencent Weizhong Bank. Like borrowing, micro-lending is an invitation system. Small loans can reach up to 300 thousand, and interest is calculated on a daily basis. Small partners who want to use micro-loans can check whether there is a word "micro-loan to borrow money" through the Jiugongge on the WeChat payment page.

Some users want to use microfinance quickly because they don't meet the conditions for applying for microfinance. When using microfinance, they find that they can't borrow money, so they can use WeChat to pay more and use its related services to chat with people through WeChat. There are certain fund transactions on WeChat, such as transferring money and issuing red envelopes, so that WeChat can see its economic strength and spending power.

Bian Xiao would like to remind everyone here to pay attention to the fake sales calls of micro-loan customer service, because some lawless elements falsely claim that they are micro-loan customer service, and paying the work fee can help to open micro-loans. These are all lies.

3. Xiaoman Finance (formerly Baidu Finance) has money to spend.

Qianhua is a credit product of Xiaoman Finance (formerly Baidu Finance), and big brands are trustworthy. Unlike loans and small loans, you can take the initiative to apply for money without official invitation.

If you want to apply for money, you usually need to meet two conditions: first, the borrower must be between 18-55 years old and cannot be a college student; Secondly, I need to use my original second-generation ID card and my bank debit card in the application process. Meet the above conditions, you can take the initiative to apply for spending money. In addition, Youhuahua also launched credit products for small and micro business owners. If you are a small and micro enterprise owner and need start-up or operation funds urgently, you can also borrow from Youhuahua.

Money can provide users with a loan amount of up to 200,000 yuan. Due to the different situation of each user, the amount obtained will be different, and the specific amount will be subject to the page display. Generally speaking, the better the personal qualification, the higher the loanable amount you can get when you have money to spend.

Relying on the strong technical strength of Xiaoman Finance, the speed of applying for funds is very fast. After the loan is approved, the funds will arrive in three minutes at the earliest.

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.

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.

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 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.