A customer came to know about the loan, and the chat went well. He can't accept the interest of 1. He dropped a sentence of "usury" and deleted WeChat in a blink of an eye.
When meeting such customers, the credit manager can only accept them calmly. He gets up early every day, works hard to develop electricity sales, 365 days a year, and he has to face various performance pressures, misunderstandings and realities.
So I just want to ask, if you need money, how much interest can you accept?
1
I only accept "0" interest
For loans, some people do not consider their eligible applications and only accept interest-free loans. Is there really the welfare of dropping pies in this world? There really is.
First, deposit fees and loan subsidies.
Not only is the loan interest "0",
Even if it is lower than "0", it will give you money!
Recently, Jyske Bank, Denmark's third largest bank, began to provide borrowers with a discount mortgage loan with an annual interest rate of 0.5% 10 years, which is the first discount mortgage loan business in the global financial industry.
That is to say, if you go to the bank for a loan of 10000 yuan, you can pay off 9950 yuan one year later, making 50 yuan for nothing. It's just that this service has not been launched in our country, and it is only applicable to some users.
But negative interest rates tell us the fact that the currency is depreciating.
Second, friends borrow money with "0" interest.
Borrowing money from relatives and friends doesn't need to consider interest. If it is overdue, you only need to repay the principal, and there will be no serious consequences, not to mention worrying that default will affect credit reporting. Such a good thing is naturally the first choice for borrowing money.
It's just that whenever I think of the sequela "debt of gratitude" after borrowing money,
I can't help thinking about it.
It seems easy to borrow money from relatives and friends, but I have planted a seed for myself. Other people's trifles, holiday gifts, red envelopes ... Finally, it is more than loan interest, and finally human feelings are still unclear.
2
Only charge interest within one minute.
Not only banks, consumer finance companies, but also some small loan companies can go so low, but in terms of qualification requirements, two words are marked: high quality.
Just like institutions, civil servants, teachers, doctors and so on. This kind of job is stable, with a high base of five insurances and one gold, and a high degree of education. This kind of customer base is basically one of the most popular categories of banks or the whole financial industry.
If you have a good education, you can choose this interest.
three
Acceptable in two minutes
There are always people who think that the interest rate of 2 points is already high. Why don't I choose a lower interest rate?
So, is 2 points a month really high?
If it is high, of course not. Take a treasure's reserve fund as an example. I borrowed 500 yuan for 7 days, and the cost was 2.29 yuan.
Many people think that "Father Ma" is too considerate, so let's calculate:
You think treasure is a good deal. Because the principal is small. Calculated by 5000 yuan, its 30-day interest is 98. 14 yuan. But the monthly interest rate is equivalent to 1.9 cents.
In other words, the interest of about 2 cents a month is usually used happily. Why does it become a "usury" when it comes to loans?
A loan is not something you can borrow if you want.
Some people are eager to use money, which is obviously in line, but they don't trust the loan officer to find some online loans. Credit investigation can no longer be spent, and finally there is no way to find a loan officer. Let the loan officer think of a way and say, I'm in a hurry: I really can't, I can find time. ...
No way, even if the loan officer helps to find channels, the customer's own conditions are poor, and it is already very good to help him make the next payment. In the end, I really can't get rid of high interest rates.
Credit is not usury. Doesn't mean you want 500 thousand, you can give it to you with your fingers. It depends on your qualifications, and your interest is determined by your own conditions.
Tips:
When the money is tight, it is inconvenient, just fiddle around and consult the loan officer around you. Of course, from 2020, the annualized rate of the whole environment has been adjusted to below 24%, which is equivalent to the highest principal and interest 1.2 points. It is not that the lower the interest rate, the better, but that customers with a score of 1.2 or above are rejected in the big environment.