Answer: Look at the person. In a word, describe the position: sort out the list of remaining funds of customers who have completed subscription, contract signing and mortgage loan and related materials, and arrange to inform the docking personnel of the marketing department to promote the work. First, we should understand the customer's purchase process in real estate sales: subscription-signing-mortgage (not considering one-off)-bank lending.
Generally speaking, in order to withdraw funds efficiently, each link will have a written agreement period. For example, it is usually 7 days from the day of subscription to the signing of the contract. For example, a customer bought a house for 6,543,800 yuan, and only needed to pay a deposit of 20,000 yuan and sign a subscription agreement that day. The agreement agreed to sign the contract within 7 days and complete the payment of the remaining 980,000 loans. In this process, different companies have different ways. The contract may be printed and drawn up by the real estate consultant himself, or it may be made entirely by the signing Commissioner. Most of the latter, so the ability you need in this link is to print the contract and draw up enough professional skills, which is not difficult. Practice makes perfect. The difficulty lies in being careful, because there are many terms and figures involved in the contract, and there can be no mistakes. Otherwise,
If you are a mortgage customer, after completing the above process, you need to sort out the information needed by the bank, such as running water, income certificate, social security certificate, asset certificate and so on. (according to the requirements of the bank) and submit it to the bank. However, in practice, even if it is submitted, it is incomplete, and there may be problems in the information that are inconsistent with the requirements of the bank, such as too small running water, untrue income certificate, etc. It is necessary to inform the customer after completing the information feedback with the bank.
In theory, in fact, every link can go through the process smoothly without any problems, so as to achieve the purpose of remittance. However, in practice, there are often customers who do staging, delay signing the contract after subscription, and there are always problems with mortgage information, which delays the sudden occurrence of remittance. Therefore, it is particularly important to sign the post responsibility of remittance specialist, so as to avoid the possibility of this kind of thing as much as possible. For example, training the sales team on collection, holding regular collection meetings, listing and establishing remittance details.
In a word, collecting money is a series of behaviors. The customers at the sales end are well controlled and there is no risk. The contract at the signing end is well done, and there is no omission in the process, so it is logical to collect the payment.
What's the difference between mortgage and mortgage?
1. The purpose of the loan is different. The biggest difference between mortgage loan and mortgage loan is that mortgage loan means that buyers borrow money from banks to buy houses, while mortgage loan means that borrowers borrow money from banks for consumption or business purposes, such as car purchase, travel, decoration, medical care, study abroad or business purposes.
2. The loan cost is different. Generally speaking, the interest rate of mortgage loan is lower than that of mortgage loan.
If the first suite applies for a mortgage loan, buyers will have the opportunity to enjoy certain interest rate concessions, while mortgage loans do not, and most banks will float on the basis of the benchmark interest rate.
3. The loan term is different. The longest loan term of mortgage loan is 30 years. The term of each loan is determined by the commercial bank through consultation with the borrower according to the borrower's age, working years, repayment ability and other factors. The longest loan term of house mortgage loan shall not exceed 65,438+00 years.
4. The preconditions are different. The borrower wants to apply for a mortgage loan from the bank. It is a loan obtained from a bank with a certain amount of collateral as a guarantee. Mortgage loans can be used to buy houses or for other purposes. Mortgage loan is a personal housing loan business in which buyers use the purchased houses as collateral and real estate enterprises provide phased guarantees. Can only be used to buy a house.
Is it easy for the real estate mortgage payer? Nothing is done well, only by heart. If you have a clear understanding of the cashier's responsibilities and the workflow, I believe that you will get twice the result with half the effort. Learning more on the website is a good way to improve your professional ability quickly.