In fact, this is also a reason why many friends are afraid to go to the bank for financing easily. We are a society full of human feelings, and acquaintances are the first thing that comes to mind when doing anything. It doesn't matter. It's hard. All people will listen to gossip, and liars will grasp this psychological feature. Every time they cheat, they will succeed repeatedly. The central news, economic broadcast news channel 99.6Mhz and other news media, this period of time focused on the exposure of the loan industry "714 anti-aircraft guns" all kinds of shady, all kinds of routine scams. For example, 1 yuan cheated customers of millions of dollars' houses; The customer borrowed 4, yuan, and only gave 2, yuan to cheat the customer of more than 2, cars; The customer borrowed 3, yuan online, and paid off 5, yuan. A construction company in Tianjin lent money and demanded to repay 2, yuan. There are countless such cases.
the key to the above-mentioned deception of customers is that they don't know where there is a formal loan channel, and they are worried that they are not qualified enough.
Let's talk about the first question. What qualifications can make bank loans? Bank loans can be divided into credit loans and mortgage loans (as the name implies, mortgage loans need collateral, and those without collateral are credit loans).
1. Generally speaking, the bank that imports the credit loan requires one or a combination of the following:
1. Fixed monthly punch-in salary, with the word "salary" reflected in the running water
2. Mortgage loan for three months or more (mortgage loan or monthly mortgage loan)
3. Commercial insurance policy
4. Local full house
. Different requirements)
7. Social security payment for more than 3 months (different banks have different requirements)
8. Records of house payment paid off within one year
9. Records of other loans paid off within half a year or one year
1. Vehicles with full payment are generally within 15 kilometers and within 7 years (different banks, Different requirements)
11. Running invoice
and so on
2. Generally, the import bank of credit loans requires one or a combination of the following:
1. Pledge or mortgage of stocks
2. Pledge or mortgage of real estate
3. Pledge or mortgage of vehicles
4. Pledge or mortgage of land
5. . . .
? Banks with different import methods listed above have different requirements, and of course, different bank quotas and interest rates are different. This shows that it is still difficult for customers to find banks directly, and thus financing consultation and consultants are born.
? First of all, each bank's products are different, and each product has different requirements for customers' qualifications and credit reporting. < P >? Secondly, the product interest rate and loan amount of each bank are different. Non-industry people simply don't know which bank is suitable for him, which bank has low interest rate and which bank has high loan amount. Even if a customer finds a successful loan from a bank, what he borrows is not necessarily the financing cost he needs, including interest rate, loan amount, loan term and repayment method.
? Aside from the topic, why do so many friends ask me about loans and financing? That is our professionalism. We have been engaged in this industry since 21, and every time we turn around and refer customers is strong evidence. Summary: We know customers better than banks, and we know banks better than customers.
(multi-inclusion with typos and unreasonable sentences)
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