So, what concerns do loan customers have when lending? How to answer? The following 15 questions are the favorite questions asked by loan customers. I hope you can answer it when serving customers.
1 Is your loan legal?
We are a financial institution specializing in credit loans. We have a legal business license. We have been established for many years. We have always had a good reputation in the industry. You can understand this. We don't have any fees before the loan, and we don't charge if it doesn't succeed. The fees are all incurred in the month after your loan.
You are usurers, aren't you (the interest is too high)
I understand your idea. We are a formal financial institution with a legal business license. You can rest assured of that. As for the high interest rate, it depends on who you compare with. Compared with banks, we are indeed high, but what banks need is mortgage and guarantee of real estate. I think you know that if you could get money from the bank easily, you wouldn't come to consult, would you?
Our approval is fast and simple, and we can get the approval result within 1 day at the earliest. In addition, we provide short-term revolving loans, which are suitable for short-term capital turnover.
(Highlight product features) If I give you 65,438+10,000 yuan, can't you earn 2,000 yuan a month? I think if I give you 65438+ million, can't you earn 2000 yuan a month? I think any industry can earn it back, right! In addition, we hope you will expand your business. Are you taking other people's money to make money? (from the perspective of customer profitability)
How did you borrow that loan?
It's very simple to get a loan from us. You only need to provide the corresponding materials (ID card, work certificate, salary certificate, address certificate ... according to the needs of your products), and we will inform you of the approval results after X working days.
How much can I borrow in my present situation?
The loan approval amount mainly depends on your credit rating, monthly income, whether you have borrowed money before and the materials you provide, but there are many successful loans in your industry. I'll try my best to help you get the maximum amount. Of course, this is inseparable from your support and cooperation.
Why didn't my order pass?
I'm very sorry, I can't help you. Because your comprehensive score is not enough, I failed for the time being. Thank you for your support to our company. We can accept it again in x months.
What if I can't repay the loan on time?
We lent you money in the hope of expanding our business in your side. We always believe that you are an honest customer. Besides, you can't affect your reputation because of this little money, can you? The amount of our loan is the repayment amount agreed in combination with your actual business situation. If you can't repay on time, it will affect your credit history (seriously, it will affect your subsequent mortgage and car loan, etc. ) and there will be late fees. If you breach the contract maliciously, we will solve it through legal channels. Now that the collection company has been legalized, we don't want this unpleasant thing to happen.
Your loan is very troublesome!
We are doing credit loans, and we need to know the basic situation of you (or the enterprise). The investigation time is about 2 hours. Where do you think there will be trouble? The more detailed and complete the information you provide, the more helpful it will be to your loan approval! At present, many loans on the market promise to give you money by filling out a form. If you don't even provide inspection materials, you can't even ask for such a loan!
I also want to help you get this loan. If I don't want to give you a loan, I'll hang up, right?
Is there a longer-term loan?
Not yet. We are committed to providing customers with short-term revolving loans to solve short-term difficulties. From your point of view, the shorter the time, the less interest you pay! We can recycle it, renew it after the loan expires, and the interest rate will be favorable.
Your repayment period is not flexible
Our loan term is only X and XX, but it can be settled in advance at any time. And you can choose the term freely, and we will give you a reasonable loan term according to the actual situation.
10 how can I still collect liquidated damages if I settle in advance?
First of all, your cash flow difficulties have been solved, which is your biggest concern, right? Early settlement will save you the remaining interest and management fees, which is relatively appropriate. Moreover, when signing the loan contract, the repayment period has been agreed, and a breach of contract is of course a breach of contract.
1 1 Why can't we repay the loan in installments and settle it in one lump sum?
Repayment by installments will help reduce the pressure on your enterprise and make your capital turnover more convenient and flexible. Unsecured loans are made by stages, such as mortgage and car loan. Small loans are unsecured and unsecured, and the relative risk is relatively high.
12 can I still get a loan if I have a loan in the bank?
As long as your credit record is good and meets our loan conditions, we will help you handle it according to your actual situation.
I don't want others to know about the 13 loan.
Please rest assured that we will respect your personal privacy. Your lover must know about the loan. Of course, if you can let your friends know and support you, your loan success rate will be higher.
14 can an enterprise borrow money without a license?
You can bring your ID card and venue lease contract. We focus on your physical business. As long as your business is running well, we will help you.
15 credit card is more convenient than you!
Both have their own advantages. The advantage is that the loan amount is higher than that of credit card, which is quick and simple.
Credit cards and loans are not comparable. Credit cards can only be used for swiping cards, and it also requires handling fees and interest, and it is profitable. The loan is paid in cash, with equal amount and equal interest.