Long working hours: Long-term high-intensity work of loan companies will make people physically and mentally exhausted, and the work content is very single, which is easy to produce boredom.
High work pressure: The loan company has high work pressure, irregular working hours, and sometimes overtime, which is not suitable for people who have no fixed working hours.
Wage instability: the wages of loan companies are generally not high, and many people earn their income according to the sales commission, so their income is unstable and not very high.
Complex customer relationship: working in a loan company, employees need to face a variety of customers. If they can't work under pressure or handle the relationship with customers well, they may be complained or hurt by customers.
Job risk: In terms of job content, due to the particularity of the financial industry, employees need to bear certain risks. If employees make mistakes in their work, it may lead to financial losses of the company and even affect customers' credit records.
Matters needing attention in loan
1. When applying for a loan, the borrower makes a correct judgment on his economic strength and repayment ability according to the loan interest rate. Design a repayment plan according to your income level, leaving room appropriately, without affecting your normal life.
2. Choose the appropriate repayment method. There are two repayment methods: equal repayment and equal principal repayment. Once the repayment method is agreed in the contract, it shall not be changed during the whole loan period.
3. Repay on time every month to avoid penalty interest. From the month after the loan is initiated, it is generally the repayment date of the next month. Don't cause liquidated damages because of your negligence, so that banks can't apply for loans again.
4. Take good care of your contracts and IOUs, read the terms of the contracts carefully, and know your rights and obligations.