If you don't know some basic knowledge, then don't touch the loan. If you don't understand a number, you may be doomed. Be careful.

2. Who is the lower loan interest rate of the four major banks? Why is ICBC's mortgage interest rate relatively high?

As we all know, property buyers can give priority to four major banks when applying for housing loans, namely China Construction Bank, Agricultural Bank, China Bank and Industrial and Commercial Bank. The four major banks have more loans than other banks, and the national trust is higher. I will explain the problems in this article to you carefully. Let's have a look with me.

The policies of the four major banks in different regions are different, and the mortgage interest rate will be different. I consulted the bank staff and learned about the current mortgage interest rate in Guangzhou. Let's take the mortgage interest rates of the four major banks in Guangzhou as an example. Let's have a look!

Agricultural Bank: The average interest rate of the first home loan is 5.2%, and the adjustment rule is LPR interest rate of 55BP.

China Construction Bank: The average interest rate of the first home loan is 5.3%, and the adjustment rule is LPR interest rate of 55BP.

Bank of China: The average interest rate of the first home loan is 5.2%, and the adjustment rule is LPR interest rate of 55BP.

ICBC: The average interest rate of the first home loan is 5.2%, and the adjustment rule is LPR interest rate of 55BP.

Generally speaking, the mortgage interest rates of the four major banks are not very different. For each buyer with different personal credit level, the mortgage interest rates that can be applied for will be different. However, according to the adjustment of the mortgage interest rates of the four major banks in Guangzhou, the mortgage interest rates of the four major banks have indeed increased.

In addition to the four major banks, other commercial banks in Guangzhou have also raised their mortgage interest rates accordingly, such as China Everbright Bank. At present, the average loan interest rate for the first suite is 5.4%. The mortgage interest rates of these banks have increased compared with previous years, and the excessive number of applicants and tight loan quotas are also part of the reason.

Why is ICBC's mortgage interest rate higher than other banks? The mortgage interest rate is mainly given according to the personal credit status, which can be understood through the credit report, but different banks have different evaluations of personal assets.

Personally, I can't say that ICBC's mortgage interest rate is higher than other banks.

For example, a bank with a large flow of water often handles wealth management business, but less business is handled in ICBC, so the mortgage interest rate obtained by banks with frequent wealth management business is generally lower than ICBC.

Of course, the mortgage interest rate will also be affected by other factors. If you are not satisfied with the mortgage interest rate, you can negotiate with the bank. On the basis of the loan interest rate pricing benchmark and relevant policy requirements, the mortgage interest rate can be revised through consultation.

The above is the introduction of which of the four major banks' loans is cheaper and why the mortgage interest rate of ICBC is higher than other banks. The content is for your reference only, I hope it can help you.

Third, is the loan easy to handle? Is the interest high or low?

The loan industry is not easy to do, as most people know, because there are two kinds of loans. One is a loan made by a formal financial company. In this case, the amount of loans involved will be relatively large, and the procedures will be cumbersome, making it difficult for customers. The other is similar to online lending. This kind of existence, if it is that kind of telemarketing, is even more difficult in itself. : Common channels: 1, Alipay loan loan loan loan is a credit product of Ant Financial, with a big brand, reliability and low interest rate. I have been welcomed and liked by everyone since I went online. The loan bears interest on a daily basis and can be repaid as it is borrowed. There is no separate app, and the entrance is on Alipay. Borrowing is an invitation system, and you can only borrow if you get an invitation to borrow. However, some users did not borrow it, mainly because they did not meet the conditions for borrowing. Bian Xiao briefly introduces the most basic conditions for opening a loan account: sesame seeds score more than 550 points; At the same time, the real-name authentication was carried out, and the personal ID card was bound to the bank card and mobile phone number. 2. Tencent Microfinance Microfinance is a credit product of Tencent Weizhong Bank. Like borrowing, micro-lending is an invitation system. Small loans can reach up to 300 thousand, and interest is calculated on a daily basis. Small partners who want to use micro-loans can check whether there is a word "micro-loan to borrow money" through the Jiugongge on the WeChat payment page. Some users want to use microfinance quickly because they don't meet the conditions for applying for microfinance. When using microfinance, they find that they can't borrow money, so they can use WeChat to pay more and use its related services to chat with people through WeChat. There are certain fund transactions on WeChat, such as transferring money and issuing red envelopes, so that WeChat can see its economic strength and spending power. Bian Xiao would like to remind everyone here to pay attention to the fake sales calls of micro-loan customer service, because some lawless elements falsely claim that they are micro-loan customer service, and paying the work fee can help to open micro-loans. These are all lies. 3. Du Xiaoman Finance (formerly Baidu Finance) has money to spend. Qianhua is a credit product of Xiaoman Finance (formerly Baidu Finance), and big brands are trustworthy. Unlike loans and small loans, you can apply for money on your own initiative without official invitation. If you want to apply for money, you usually need to meet two conditions: first, the borrower must be between 18-55 years old and cannot be a college student; Secondly, I need to use my original second-generation ID card and my bank debit card in the application process. Meet the above conditions, you can take the initiative to apply for spending money. In addition, Youhuahua also launched credit products for small and micro business owners. If you are a small and micro enterprise owner and need start-up or operation funds urgently, you can also borrow from Youhuahua. Money can provide users with a loan amount of up to 200,000 yuan. Due to the different situation of each user, the amount obtained will be different, and the specific amount will be subject to the page display. Generally speaking, the better the personal qualification, the higher the loanable amount you can get when you have money to spend. Relying on the strong technical strength of Xiaoman Finance, the speed of applying for funds is very fast. After the loan is approved, the funds will arrive in three minutes at the earliest.

4. Does being a credit salesman really make money?

The biggest advantage of credit companies is nothing more than high income. Compared with other industries, the income can be multiplied several times or even ten times. It's really tempting. Do you want to do this business, really develop in this business, or do you want to make quick money?

If you just want to make money, then you have nothing to worry about. Income and risk are always in direct proportion. This "risk" is not only about personal safety, but also about self.

I don't advise young people to take this business as a long-term development.

First, the high commission of credit comes from the high interest of customers' loans. There are thousands of reasons for customers to borrow money, some for emergency and some for debt repayment. In any case, if a person can find a normal way to borrow money, he won't think of looking for a credit company. After all, the interest is too high. If the follow-up payment is not made, it is exaggerated to say that you are eating "human blood steamed bread". Otherwise, the country will not crack down so severely now, and a big reason is the credit industry.

If you can't pass the psychological barrier in this line of work, it will be really hard at first. Because even if you get a high salary, this money is hot in your hands. Many people will comfort themselves after doing this business for a long time, thinking that people are coming to borrow money from us, and I didn't force him to borrow it. He has needs, and I can meet them. Actually, I'm helping him.

I have this idea, or the company has been promoting this all day, because you want to make his money, and the company wants you to make their money with peace of mind. Think that if this happened to your relatives and friends, your position and mentality might be completely different.

If your company is a regular company like Ping An, then there is no problem. If so, forget it. Because you have been in this business for a long time, once this idea takes root, you will gradually become numb to human nature and take everything for granted.

As for whether there is cheating in the way of working, this is not the point. Now open Taobao to buy anything casually, can it really be as advertised by 100%? I guess everyone has bought fakes.

Proper publicity is ok in doing business, which is part of marketing. Otherwise, a LV with a cost less than 1000 can buy tens of thousands or even hundreds of thousands. But can you say this is cheating?

Moderate exaggeration and deception are two concepts. If you can't provide anything you promised, it's cheating or even.

If there is a better choice, why don't I advise young people not to do credit? The premise is based on industry choice and personal development.

Second, it won't bring you long-term accumulation. This business is to make quick money. In terms of salary, it is unlikely that a customer will borrow money from you after borrowing it. So you should keep developing new customers. Think about your qualifications. If you have worked for several years and decide to quit your job and change careers, how much can this line add to your resume? Unless you are looking for a pure sales industry, like real estate. Other industries that need a little qualification cannot provide substantial help experience. Maybe you have to learn from scratch again.

I have friends who do this. Some time ago, one of their cooperative companies was ordered to come and arrest people directly. Their company was also implicated. Someone in the company invited him to tea, which made him very nervous during that time. Now the company has closed down directly. He is unemployed and wants to find a new job.

Do something else, do nothing, and learn from scratch. I used to earn a dollar, but now I don't care about low wages, and I can't do high wages. Let's do this business, because I'm worried and tangled about what just happened.

Career choice is based on interest and expertise first. Interested, even if the salary is low at first, it will help you to take root in this industry, and you will be willing to spend time and energy to study, improve and grow; If you have special skills, it will help you quickly open the gap with others in the workplace, and your time cost will become very low.

Salary is of course very important. If you are young and have no family burden, then spend your time on things that can improve your ability in the early stage. Because you don't make money for a year or two, you need to make money for decades. Similarly, Gai Lou, you used inferior materials, but the front line was built faster than others. But if the foundation is not firm, the cover will fall off halfway, and it will take time to start over later.

This is the difference between choosing a career at the age of twenty and choosing a career at the age of forty. If you can understand the current social development trend, you will know that you must need professionals in the future.