What should I say about loan customer service?

Customer: What conditions do you need to handle it?

Credit Manager: Requirements: As long as you are between 22 and 60 years old, have a good credit record, have a stable job in the local area, and have a stable job income in the last six months, you can handle it. (according to different products of different companies)

Customer: How to deal with it?

Credit Manager: Sorry, sir/madam, I don't know much about your personal situation, so I can't judge at present. Can I ask you a few simple questions?

Do you work or run your own business? For people who work, is the monthly salary a card or a bonus? Does the monthly card issue reach more than 2500 yuan? If you find gold, is there more than 2500 in the monthly savings card? Does your company have social security and provident fund? Have you been running your own business for a year? Are you a legal person or a shareholder? If it is a shareholder, are there more than 20 shares in the capital verification report? What is the monthly income of personal savings account and enterprise account in the last six months? )

Have you ever applied for a credit card, mortgage loan, car loan or other types of bank loans before? Is the repayment on time? Is it overdue for more than 3 months? (The bank has been in loans overdue for more than 5 times, and the credit card is overdue 10 times or more? How much is the bank currently responsible for? )

V Excuse me, do you own or rent the house you live in now? In my own words, is the house fully produced or mortgaged? Have you handled the real estate license? Shall I handle it in my own name or in the name of my lover? Yes, is the lease contract still there? Do you pay the utilities yourself? )

Customer: What materials do you need to prepare if you want to do it?

Credit Manager: Required materials: According to your basic information, you may need XXXX materials, just copies of relevant materials. I will send you the relevant materials and the address of our company by SMS later.

If you don't understand anything when preparing the materials, please come to me at any time. I will try my best to cooperate with you, so that you can save time and prepare as many materials as possible at one time.