The first part: loan business knowledge:
I. Loan conditions
1. The borrower and guarantor must be urban hukou in six districts of Jinan and foreign hukou with housing in Jinan.
2. The borrower and guarantor must have a stable job and a fixed source of income.
The borrower must have a fixed residence in this city.
Second, the information that customers need.
Copy of borrower's (husband and wife's) ID card
Copy of household registration book (home page, index page, personal page)
Copy of marriage certificate
profit and loss statement
Copy of permanent residence certificate
Car purchase agreement
Down payment voucher
Copy of business license, copy of tax registration and copy of tax bill (provided by enterprise as a legal person)
Copy of guarantor's ID card
Copy of household registration book (home page, index page, personal page)
Copy of marriage certificate
profit and loss statement
Copy of business license, copy of tax registration and copy of tax bill (provided by enterprise as a legal person)
Third, the charging standard
1. Notarized mortgage registration fee: 450 yuan.
2. Guarantee fee: loan amount * 1%* year.
3. Four basic insurance premiums payable (overpayment and underpayment)
4. Renewal premium: one-year insurance premium *30%, two to three-year insurance premium *50%.
5. Listing bond: 500 yuan (returned within 10 days after listing).
6. Security deposit: loan amount * 1% (plus this fee for foreign accounts and rural accounts, which will be refunded after the loan is paid off).
7. Investigation fee: 200 yuan (additional fee for investigation outside the Second Ring Road).
Fourth, the loan process:
Customer consultation → pre-loan investigation → complete information submitted by customers, accepted by bank outlets → bank approval → if approved, the loan will be released within three working days.
The second part: credit investigation process and requirements:
First, before the investigation (mainly to understand the basic situation of customers, communicate with the bank, confirm whether the bank will investigate together, and agree on the investigation time)
1. Call the customer: After the connection, I communicate with the customer to understand the basic situation. Communication with customers must use standard Mandarin.
[Standard expression: Hello, Mr. XX (Ms. XX), I am an investigator of Shandong UnionPay Guarantee Company. XX car dealership (units and individuals providing business) informed us that you need to buy XX car by installment. According to the bank loan requirements, our guarantee company will assist the bank to conduct pre-loan investigation and business services for your loan. What time is convenient for you? We'd like to go to your place to find out about the situation ... and specify the time and place for the investigation]
2. Communicate with the bank about the borrower's general information and confirm whether to investigate together.
3. Preparation:
(1) Confirm the loan fee.
(2) Prepare the required materials: A, credit investigation letter B, income certificate C, UnionPay secured loan text D, power of attorney E, statement F, inkpad G, signature pen H and calculator.
Second, in the investigation (mainly to understand the customer's repayment ability and willingness)
1. Investigators are required to dress neatly and wear work permits. Strictly implement the company's civilized service regulations.
2. When knocking at the borrower's office or home, it is required to knock at the door first and get an answer before entering. After entering the door, you should introduce yourself and be allowed to sit down.
3. Investigation procedures:
(1), self-introduction: Hello, Mr. (Ms.) XX, I am an investigator of Shandong UnionPay Guarantee Company. Here is my work permit and business card. I am mainly responsible for your investigation of this loan.
(2) Introduction procedure: Mr. (Ms.) XX, this is the introduction of the loan process and other contents, please have a look first. According to the requirements of banks and companies, we need to investigate the work and life of you, your lover and the guarantor. This investigation will take about XX time.
(3) Focus of investigation:
A: For the investigation of public institutions, state-owned enterprises, civil servants and employees of companies, besides knowing yourself, you need to go to the labor department to check the payroll or provide real evidence.
B: To investigate individual industrial and commercial households or private business owners, it is necessary to investigate the basic information of the company: (enterprise nature, registered capital, company address, legal representative), business scope, sales situation, main customer base, inventory situation, off-season situation, number of employees, average salary of employees, profit rate, profit situation in recent months, tax payment situation, and actually visit offices, factories and workshops.
C: To understand the living conditions of borrowers, we should pay attention to the following points:
Visit the site in person; Check whether the location is consistent with the certificate provided; Check the decoration; Check the furniture layout; Check whether there is a situation in the family where the elderly are seriously ill and need to pay a lot of cash; Check the area, etc. Understand the customer's property status and expenses, and predict the customer's overall repayment ability.
4. After knowing the customer's situation, instruct the customer to fill in the relevant materials, check the loan fee and the required materials table with the customer again (Annex 3), and leave the annex of the table to the customer, and then leave the address of the deposit and down payment to the customer.
Third, after investigation
1. Feedback information to company leaders and relevant marketing managers.
2. Write the investigation report on the same day.
3. The next day, submit the loan fee and required materials to the network acceptance personnel.