What are the loan telemarketing techniques?

Opening remarks:

Loan officer: Hello! I am the loan specialist of ×× company, my surname is ×. Do you have any need for loan financing?

Customer: (If there is a need → guide; if there is no need → inform the customer of the activity of introducing a friend to successfully get a loan and get 200 yuan of phone credit, or other activities).

Loan officer: Sorry to bother you, I wish you a happy life! goodbye!

Guide:

Loan officer: We have two products, one suitable for office workers and one suitable for people doing business. Are you working or doing business?

Customer: (either one. If it is both, the loan officer needs to ask him first if he is a legal representative).

Loan officer: What is the purpose of your loan? (Be sure to ask about the specific purpose of the loan) When will this loan be required? How much do you want to borrow? How long is the loan intended to be used?

If the other party is an office worker:

1. Ask the customer how long he has been working in the current company?

How long has it been since the company’s business license was registered?

Should the salary be paid on behalf of the bank or in cash?

What is the total amount in the last 6 months?

2. Have you applied for a credit card in the past six months?

Has the credit card center called customers in the past six months? (If not, praise the customer appropriately for his creditworthiness).

3. Have you ever borrowed money from other banks?

Have you ever taken out a loan to buy a car?

Have you ever taken out a loan to buy a house? (The house increases the loan amount).