The company will actively organize these employees to conduct speech training and skills training. What you need to do is to use snacks in every training and complete the homework assigned by the instructor, so the basic problem is not big. It doesn't matter if your company doesn't have similar professional training. We can consult our predecessors, sort out their customers' doubts and solutions, and memorize them. With more actual combat, our telephone skills will improve a lot over time. We can follow behind and pretend to be helpers, but we are actually learning from experience.

First, the loan conditions refer to the conditions that borrowers or individuals should have to borrow from banks. silver

(1) The establishment of the business license issued by the administrative department approved by the competent department is the implementation of the national industrial product production license, that is, the loan object should be legal;

(Production and operation management from the date of application, that is, the loan object obtains legal person status and bears clear economic responsibilities;

(3) Have a certain amount of self-owned liquidity, and establish a supplementary liquidity system, that is, the loan object should have normal operation and commitment.

(4) Open an account in a bank, submit financial and accounting statements to the bank on time, and accept the supervision of bank statistics.

Second, apply for a loan to buy

1,18-a natural person aged 60 (Hong Kong, Macao and Taiwan and foreigners are also allowed).

2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.

3. The borrower's actual age plus the term shall not exceed 70 years old.

4. There are legal and effective contracts, agreements and loan documents for the purchase, construction and overhaul of houses.

5. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.

6. There are assets recognized by the lending bank, or (and) legal persons and other guarantees with sufficient compensatory capacity.

Second, what should the loan telephone customer service train?

After Ping An's direct loan application is successful, the customer service will call for personal information such as loan application materials.

First, remember the application materials, and it is best to bring a copy with you. More important matters should be kept in mind, such as company name, emergency contact information, home address and other information that can prove the lender's credibility.

Second, greet the company's front desk/friends in advance. The company's fixed telephone number on the application form is the most frequently visited channel. Applicants need to greet the administrative staff who answer the phone at the front desk in advance.

The fixed telephone provided is a friend's, so you should say hello to your friend in advance.

Third, now the return visit of the bank sometimes asks some irrelevant questions to test whether the information is correct: for example, it may ask why no one answers the phone at work. (It can be said that the front desk may have gone out), and for example, do you know anyone in the company? (It can be said that there may be, unfamiliar) and so on.

Third, the bank loan customer service speech

The stupidest way is to call the loan customer service and let them learn a sentence or two so that they won't be embarrassed.

4. Question and answer process of loan officer's oral skills?

1. Polite greetings. First of all, we should address our customers politely. If we know their names, please wait for our greetings.

2. Introduce yourself. Secondly, we need to simply state ourselves and our purpose.

3. Ask for advice, express your purpose euphemistically, and ask customers if they have financial needs.

4. Meet and talk. When we decide to cooperate with our customers, we must specify a specific time and place to meet and talk with them.

5. When we say the end greeting, we need to express our wishes to our customers and increase their goodwill when we hang up the phone.