1. The loan can reach about 400,000 yuan, and it can reach 70 ~ 80% of the real estate assessment value. ;
2. The factors that affect the amount of real estate mortgage loans are as follows
Appraisal value of the property:
Among them, the main factors that affect the real estate appraisal value are: housing type, housing area, orientation, location, construction year, floor and so on.
The loan amount is related to the assets you own. If there is only one property, you can only borrow 50% of the real estate assessment value at most. If you have multiple properties, you can get a loan worth 70-80% in real estate assessment.
Personal income:
The amount of personal income will also be considered by banks within the scope of loan factors. If your personal income is low, the bank will consider whether you have enough repayment ability, and then the bank will reduce the loan amount.
Current consumer product quota of the Bank:
Different banks offer different loan projects. Some banks can only lend up to 3 million yuan, and some banks can lend more than 6.5438+0 million yuan. Therefore, the maximum amount of loans that can be made by different banks also has a certain impact.
Second, what is the work of the telemarketing loan company (what is the telemarketing department of the loan company)
It is easy for employees to understand the economic ability of customers by collecting customer information, and use telemarketing system and improve communication skills to solve problems in their daily work. It is normal for companies to have shortcomings, and big companies also have many shortcomings.
It will be much easier for you to become a loan officer in the future, and you will think it is actually very easy. If the system is better, you will go up after a long time, and the telemarketing business is now. I don't want clients from previous years.
I got a job with a loan, that is, telemarketing, working in a start-up company, or, I say, sitting in front of a computer.
I really want to know the purpose of Shao Di's call to customers, to make the product knowledge clear and understand thoroughly. Remember to make some comparisons when you call for the first time. Why do you want to borrow money? The newly established company has many shortcomings, such as calling customers to borrow money and not being employed. Telemarketing, many people are not good at hearing such calls.
Therefore, when planning loan schemes for customers, companies of all sizes are bombarded by telephone. Telemarketing is the most important, which can accumulate some resources, as well as statistics and supervision.
Telemarketing faces many customers' rejection every day. I think I'm at the exhibition, and I'm also doing telemarketing, supervising implementation and working. This is just the beginning, unprepared.
I may not be able to make the bill. If the monitor introduces me to work in a loan company every morning in order to improve the efficiency of calling, the telemarketing team in charge of the company will be very tired.
Therefore, the list can effectively support the situation, and the opportunities for individuals to develop in the new company will be much greater. After a period of time,
Is to promote loan business by telephone. Got a job as a telemarketer. Is it literally telemarketing?
When making a loan, you can make a lot of constructive suggestions and record the dialing situation where small companies are insufficient. I have an interview this Friday.
3. What is the company's maximum loan?
Easy credit, the auxiliary version can be loaned1-500,000. No guarantee, no mortgage. Three working days is enough. For details, please contact CreditEase Account Manager: Manager Wei 1333-9868-076.
4. What is the maximum loan for small businesses of China Postal Savings Bank?
Individual industrial and commercial households or sole proprietorship owners with business licenses can apply for loans from the Postal Savings Bank as long as one or two people (depending on the loan amount) who have a fixed job and a stable income serve as their loan guarantors. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas).
First, the application conditions:
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.
Second, the handling process:
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.
Extended data:
For merchants, the longest grace period for loans is 4 months; For farmers, the longest grace period for loans is 10 month, and provincial branches should reasonably determine the longest grace period for local loans according to the agricultural production cycle or situation.
The longest credit period for small enterprises is 5 years, and they can apply for an online single loan within the validity period of the credit line. The longest working capital loan shall not exceed 18 months, and the longest fixed asset loan shall not exceed 3 years.
The bank examines the written loan application, purchase and sale contract and related financial statements submitted by the applicant, examines and authenticates the information of loan guarantee or loan collateral submitted by the applicant, conducts on-the-spot investigation before lending, and then makes a decision on whether to approve the loan.