What is the loan language?

Customer: Hello, I read (online, SMS, business card) that you can get a loan here, right?

Manager: Yes, unsecured credit loans.

Customer: How did you get the loan?

Manager: As long as your personal credit record and work income are ok, our platform will approve the loan for you! Are you in business or at work?

Customer: Is there a difference?

Manager: If you are on-the-job, then the salary is required from the bank, and you must work formally for more than 3 months! If you are in business. The business license will take more than one year!

Customer: Oh, I work (or do business). What is a credit report?

Manager: The credit report is integrated by major banks into the People's Bank of China, which is the integration of your credit record! Mainly record your credit card, car loan and mortgage. Are there any bad records or a large number of overdue? If you have a bad record, no matter how good your other information is, we can't allocate funds! We are doing credit loans! How much do you want?

Guest: About 50,000.

Manager: Do you have any real estate at present? The real estate is just a financial proof that you are stable and don't need to provide a mortgage. We need to see your original and copy, so we can increase the quota.

Guest: Yes!

Customer: What's your interest rate?

Manager: According to the customer's conditions, the repayment interest rate (2.2% for enterprises and institutions and 2.50% for businesses with legal persons) is equal installment repayment of principal plus interest, similar to bank mortgage. For example, the amount you apply for is 10000 yuan, the repayment period is 10 months, and the principal part of each month is 100.

10 month settlement. (When introducing the expenses and repayment methods, it is necessary to use the simplest way to make it easy for customers to understand. )

Guest: It's a little high. Can you lower it?

Manager: That's impossible. We are a regular company. It's company policy. Every customer is the same.

Customer: What information do I need to provide?

Manager: The information is simple. You just need to provide it.

Customer: Oh, I'll go back and prepare this.

Manager: OK, if you need help, you can contact me at any time. May I have your name , please?

Customer: My last name is X, so I want 300,000 yuan. Can you approve it?

Manager: I believe that you are fully capable of repaying this expense, but our company can only grant you funds based on the information you submitted. I will definitely try to apply from a high amount!

Customer: Oh, that's great!