Bank installment sales skills and vocabulary?

First, the skills and words of bank installment sales?

1. Know your products and services thoroughly.

2. Master a dialogue mode that you are very familiar with.

3. Learn to use honorifics.

4. Learn to take communication records.

Learn to report yourself skillfully, so that the other party will remember you immediately after listening, so that you will save a lot of time and cost when you follow up for the second time.

6. Get into the conversation quickly.

7. Learn to ask questions.

8. Learn to take the initiative.

9, learn to control the time of the call.

10, learn to make an appointment with customers.

Classic telephone loan sales. It is an intermediary form. I don't know the customer information.

Brother, you need a loan. No, I'm a lender. I don't want your mortgage, I don't want your guarantee, as long as you provide a copy of your ID card. If you can't afford it, you can not pay it back. There are not many opportunities. Come on. Don't miss it when passing by. That's it. I'm sure I can bring down many customers.

Third, the telemarketing of loan intermediaries.

Telephone marketing of loan intermediaries;

1, if the loan officer wants to sign the application materials and send them to you by SMS as soon as possible, you can prepare the materials as soon as possible. If you have any problems in the preparation process, you can lend us money as soon as possible. Do you think you are ready to come today or tomorrow? The last question asked here answers the time limit.

If the customer is not in a hurry, I will send you the information that our company needs to prepare, and you can write down my phone number. Friends in need can contact me at any time. It is best to inform customers of the company's website or introduction, so that customers can trust them more.

3, you can follow the customer while doing it, and you can't lose the customer. Now the whole family is playing telemarketing. If you neglect to keep up with the customer for a while, the customer will finally take the prepared materials to find someone else to apply.

Loan type

1, mortgage loan

This kind of loan is a common way, and the collateral generally recognized by banks includes: houses, shops, office buildings, land and so on. Mortgage loan is a loan obtained from a bank with goods as the guarantee. When the loan expires, the borrower must return it in full, otherwise the bank has the right to dispose of the collateral as compensation.

2. Mortgage loan

There is a first-hand housing mortgage, and the second-hand housing mortgagor has a new house. At this time, the developer has not yet obtained the real estate license and land certificate of the house, and it generally takes 1-2 years to obtain the real estate license and land certificate; The latter is a loan when the buyer and seller buy a house. At this time, the seller has real estate license and land certificate. What should be emphasized here is that the difference between mortgage loan and mortgage loan is that mortgage is to take the house after the loan; Mortgage means that you must have an existing house to mortgage in order to get a loan.

3. Credit loan

It is a loan issued by the borrower's credit, generally without mortgage or guarantee. The credit requirements for applying for credit loans are relatively strict.

Fourth, the best vocabulary for telemarketing loans.

The best vocabulary for telemarketing loans

The best words for telemarketing loans, for different sales "lists", the effect of using different words by salespeople will be very different. The sales pitch of telephone loan is almost the same as other sales pitches. This is targeted and effective marketing. The following are the best words for telemarketing loans.

The best telemarketing of loans 1 telemarketing of loans

First, the loan sales opening remarks

The word 1- is simple and clear.

Guest: Hello, where is it?

Credit Manager: Hello, excuse me, we are loan officers of xx Loan Company. Is there any demand recently?

Guest: No need.

Credit Manager: Never mind. You can spend two minutes learning about our loan products, and you can use them in the future if you need them, right?

Speech art 2- friend recommendation method

Loan officer: Hello, is this Mr. Wang?

Guest: Yes, who is it?

Loan officer: Hello, Mr. Wang, this is Xiao Li from xx Loan Company. Your friend Zhao Zong told me that you may need funds recently. He just borrowed money from us recently, so he asked me to contact you. I don't know when you need funds here!

Client: Mr. Wang? Who is manager Wang? I don't know!

Loan officer: Huh? He hasn't told you yet? I guess he's too busy to talk to you recently! He's not in a hurry, I'm in a hurry first! I'm really sorry!

Guest: Never mind!

Loan officer: Now that the phone call has been made, let me briefly introduce our products! It won't take you long. Is it convenient for you?

Speech 3- Humorous Methods

Loan officer: Hello, is this Mr. Wang?

Customer: Who are you? What can I do for you? )

Loan officer: Mr. Wang, I am sending you money!

Guest: Oh? What money should I send?

Loan officer: Well, my name is Xiao Li, and I am a loan officer of xx Loan Company. We specialize in unsecured credit loans. We can borrow up to 500,000 yuan, and we can lend money in about three days. If you need funds recently, you can come to us!

Customer: Didn't you say to send money?

Loan officer: There is interest on the loan, but I can treat you to dinner for free!

Speech 4- Pretending to be familiar with the law

Loan officer: Good morning, Mr. Wang!

Customer: Who are you? Can I help you?

Loan officer: I'm Xiao Li from xx Company. I contacted you some time ago and talked to you about the loan! Do you remember?

Customer: Why don't I remember?

Loan officer: Mr. Wang, you must be very busy recently! This is Xiao Li from xx Company. Our company specializes in unsecured credit loans, which can be lent within three days within 500 thousand! I should remember something this time!

The best way to sell loans by electricity is to cut through these two knives.

Credit Manager: Hello, I am a bank loan, unsecured, unsecured, and the fastest loan 1 day. Do you need it recently?

Customer: No need!

Credit Manager: Never mind. We can add a WeChat. If a friend asks you for money, you can recommend my WeChat to him. You won't be embarrassed to solve his problem, don't you think?

Guest: You can have this. Please add it.

Friendly reminder: Go straight to the list suitable for general quality, especially those who are uncertain or unfamiliar with the list type. This method is the most suitable. For example: calls from colleagues, list of joint numbers.

Invitation notification method

Credit Manager: Hello, is this Mr. Wang from XX Company?

Customer: Who are you? Can I help you?

Credit Manager: We are XX Small and Medium Enterprises Association. In order to help promote the development of enterprises in XX area, your company's conditions meet the conditions of our bank's credit loan support funds. The interest is XX to XX, and the maximum support amount is 20,000 to 500,000. I want to know how much money your company needs at present.

Customer: What information do you need?

Friendly reminder: this method is suitable for loans to enterprises or shareholders, and can be used by an association, a financial institution or an institution. For example, the credit card center allows you to apply for installment, and cooperation between certain institutions. Or XX company and XX enterprise cooperate to launch XX loan products.

Notification of new products and activities act

Credit Manager: Hello, is this Mr./Ms. XX?

Customer: Who are you?

Credit Manager: Hello, this is Manager Li who gave you a loan earlier. Now the company has introduced a new product with low interest. I think this product is more suitable for you. Do you need to handle it?

Customer: OK, what information do you need?

Friendly reminder: this method is most suitable for old customers or customers who have been rejected before, as well as the post-loan customer list of other channels, which will make customers feel your attention and then communication will be more convenient.

Pretend to be familiar

Credit manager: Good morning, Mr. Wang!

Customer: Who are you?

Credit Manager: This is Xiao Li from XX Company. I contacted you some time ago. Before that, you told me that you wanted to know about the loan. Do you remember?

Customer: I don't remember?

Credit manager: Mr. Wang, I guess you have been too busy recently! I'm from XX loan company. What is our company mainly engaged in? Unsecured credit loans, the application materials are also very simple, and you can lend money within 500,000 on the same day! Do you need funds now?

Friendly reminder: this kind of opening remarks requires you to know more about the customer's information, such as name, company, position, etc. This will improve the efficiency a lot, and customers will not feel so disgusted when dialing.

Friend recommendation method

Credit Manager: Hello, is this Mr. Wang?

Guest: Yes, who is it?

Credit Manager: Hello, Mr. Wang, this is Xiao Li from XX Loan Company. I was recommended by your friend Zhao Zong. He has just applied for a loan in our company. Let me ask you if you have any financial needs recently.

Guest: Zhao Zong? Zhao Zong who?

Credit Manager: Well, what does our company do? A loan? Interest? Do you think you have any needs?

Customer: So, what about your company's loan?

Credit manager: Our handling is also very simple? .

The best vocabulary of telemarketing loan 3 i. prologue

Hello! I'm manager Li of XXX company. Do you have any needs recently?

Yes, start asking about the demand.

No, I'm sorry to bother you. I wish you peace! Goodbye! Remember to send text messages or add customer wechat, which is convenient.

Contact you later!

Second, guide the in-depth formula

According to the different types of loans, ask customers whether to go to work or do business. If there are both, ask whether it is a legal person first.

Table,

What is the purpose of your loan? Be sure to ask what the loan is for and when it is needed. Want to borrow more

Less? How long will it take?

Third, the formula for office workers to sell electricity

Question: working hours, salary, average income, and whether there is comprehensive credit card debt.

Four, the merchant power marketing formula

Query order: company information, whether the company is a legal person, and how long the company registration period will be publicized to the public.

Personal situation, average income, total credit card, other assets compared with other liabilities.

Five, the house and car sales formula

Is the house a mortgage or a full personal loan or how many square meters has it been provided for how long?

Is the car mortgaged? What's the price of naked cars? How many years have you used it?

Sixth, the opening remarks are simple and straightforward.

Guest: Hello, where is it?

Credit Manager: Hello, I am the credit specialist of xx Loan Company. Do you need it recently?

Guest: No need.

Credit Manager: Never mind. You can take two minutes to learn about our loan products, and you can send them later if necessary.

Yes, you're right!

Seven, opening remarks, friend recommendation skills

Loan officer: Hello, is this Mr. Wang?

Guest: Yes, who is it?

Loan officer: Hello, Mr. Wang, this is Xiao Li from xx Loan Company. Your friend Zhao Zong told me that you may need funds recently.

Yes, he just borrowed money from us recently, so let me contact you too. I don't know when you need it

Where is the money!

Client: Mr. Wang? Who is manager Wang? I don't know!

Loan officer: Huh? He hasn't told you yet? I guess he's too busy to talk to you recently! He's not in a hurry. I'm here.

First hurry! I'm really sorry!

Guest: Never mind!

Loan officer: Now that the phone call has been made, let me briefly introduce our products! It won't take you long.

Room, is it convenient for you?