Bank credit publicity plan

Yes, mortgage does not affect the application for credit loan, but it can be used as the basis for applying for credit loan.

Meet one of the following conditions, you can apply for a loan.

Provident fund loan-apply for credit loan with provident fund. Requirements: continuous payment of provident fund for more than one year.

Monthly mortgage-apply for monthly mortgage payment. There is a mortgage, which has been paid for more than half a year.

Salary loan-just provide proof of income. Non-Beijing household registration must pay social security for two consecutive years.

Social Security Loan-Social Security shall be paid normally in Beijing and continuously for more than 1 year.

Commercial loans-company shareholders can borrow money. Enterprises for more than 3 years, Beijing has real estate, focusing on debt and profit. Spouses (if any) must step forward.

Policy loan-commercial insurance deposit is required. Commercial insurance with continuous payment for more than 3 years, and the payment of each premium is uninterrupted or resumed.

Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee.

For a long time, this kind of credit loan has been the main loan method for banks in China. Due to the high risk of credit loans, it is generally necessary to conduct a detailed investigation on the economic benefits, management level and development prospects of borrowers in order to reduce risks.

Credit loan business is mainly handled by banks, loan companies and electronic financial institutions.

Banks with credit loan products in China include China Merchants Bank, Citibank, Standard Chartered Bank, Ping An Bank and Bank of Ningbo.

Credit loans (credit loans) are booming in China. Although the time is not long, all parties are actively launching products to compete for the market. The credit loan of the loan company is about 200,000-300,000, and the interest rate is 1.5%-3%. Some loan companies are well known. These products are characterized by high speed and flexible quota, but the cost is hidden in fees and other charging items. The actual loan cost is much higher than the interest rate advertised.

Credit loan of guarantee company is a credit loan provided by guarantee company to customers through bank lending.

Generally, it can reach up to 300,000 yuan, and the charging mode is bank loan interest plus guarantee fee of guarantee company. Formal guarantee companies only charge a certain percentage of guarantee fees and will not charge interest, which is also a standard to distinguish whether guarantee companies are formal or not.

P2P loan financing platform, the amount is not too high, and the speed is between loan companies and banks. Its characteristic is that the loan procedures can be completed through the Internet, and repayment can be made through online banking or Alipay, but the rate is uncertain.

What are the novel ways of developing credit loans?

There are 79 ways to show, and there are always some suitable for you.

A network mode:

1. Network publicity, home page, platform release.

2. Information publicity and release of network platforms such as local information ports.

3. Find customers in need on the loan website (Rong 360. Haodai.com, Loan.com, Andai.com, etc. ).

4. Group email promotion

5. Publicity and other network contact information in various industry groups.

6. Hometown network group and hometown gathering, development zone real estate group.

7. Search friends near QQ and send messages for publicity.

8. Follow-up: Sign your own name.

9. WeChat drift bottle promotion

2. Advertising:

10. Pull banners in conspicuous places in the community.

1 1. Advertisements on community bulletin boards

12. Community setting up consultation points (setting stage)

13. Insert leaflets under the door of each residential area.

14. put leaflets in newspaper boxes in residential areas

15. Put leaflets when taking a taxi.

16. Communicate with shopkeepers and release publicity on their behalf.

17. Cooperate with Chache Beauty Shop to set up banners.

18. Cooperate with the owner of the car wash shop, and the successful customer can give small gifts.

19. Ask friends and relatives to help spread publicity in their social circles.

20. Friends have dinner, send business cards, and promote in industry forums.

2 1. Place business cards in restaurants, hotels and guesthouses.

22. Cable TV SMS advertising sales

23. Put inkjet advertisements outside the unit building.

24.

25. Advertise high-end barbershops in various venues.

26. Advertise on various blessing products on holidays.

27. Making small public service advertisements in public toilets

28. Make a small advertisement at the newsstand.

29. The lottery station can make a small advertisement.

30. Make some warning signs in public places.

3 1. Making a business card box in a taxi

32. Make the mouse pad into an advertisement and put it in the Internet cafe.

33. Use all kinds of resources to advertise, such as small supermarkets and small shops hanging billboards.

34. Advertising lighters and bus seat covers.

35. Advertising on Xiao Mo's car body.

36. Some leisure places make some billboards.

37. Put Yi Labao in front of the supermarket.

38. Three-dimensional advertisement at the entrance of the intermediary

39. Body advertisement

40. Make friends, make friends, and place orders at the wedding reception.

4 1. Go to places with heavy traffic and get in the car.

42. Newspaper and other media advertisements, (focusing on quality)

43. Negotiate with newspaper advertisers (newspaper folders)

44. Pull banners in your own home and relatives' home for publicity.

45. Visit the highway entrance and pull banners.

46. Make gift bags and shopping bags

Third, relying on social circles to introduce customers:

47. Pay attention to the return visit and maintenance of old customers.

48. Maintain good relations with bank staff.

49. Recommendations from customers and friends

50. Find business friends to introduce customers.

5 1. Introduction of insurance human resources

52. Introduction of real estate and automobile sales personnel.

You can ask customers to provide their company's address book.

54. People from insurance companies can share resources if they are familiar with them.

55. Resources sharing in the securities and financial circles

56. A business card shop should read business cards with the bottom.

57. Communicate and publicize with the company's finance.

Four electricity sales:

58. Find the customer's contact information through the friends of the network company for telemarketing.

59. Find the boss's contact information on Dangdang and other online sales platforms for telemarketing.

60. We can sell a list of power owners of some residential properties.

6 1. Prime time for selling electricity 10: 00- 165438+ 0: 30 pm15: 00-17: 30 pm.

62. The membership list of the gym is on sale.

63. The telephone number in the job advertisement can be used as a telemarketing list.

64. The list of high-quality personnel in education and training institutions was sold by electricity.

65. Decorate the city and find the list of customers for sale.

Five strangers:

66. Introduce yourself more and explore my resources.

67. Look for business information in newspapers and other media for interviews.

68. Pay attention to the transfer of real estate and ignore the recruitment information of merchants.

69. The residential property and real estate agent should contact the owner for publicity.

70. Ask yourself to talk to strangers every day.

7 1. Sweep the wholesale market

72. Sweep through industrial parks

73. Sweep the street (when you have patience, such as rainy days)

74. Sweep the processing plants in the town.

75. Exhibition around the bus station

76. Promotion of automobile drivers' associations

77. Company receptions and various publicity and exhibition banquets.

78. All payment points are strangers.

Six dispatches:

79. Go to the office building to publicize the dispatch at noon.

What if I need money urgently? A good way to borrow money.

Men don't have to bend over for five buckets of rice, but they can often be bent by a penny. No one will be in financial security forever, and sometimes economic collapse is inevitable. What if I need money urgently? Summarize some ways for you to borrow money honorably, instead of looking for acquaintances to borrow money everywhere. Let's see what methods can solve your urgent needs:

Many people have had the experience of needing money badly, and some people have assets in their hands, but for some reason they can't convert them into cash in time. Some people ask relatives and friends for help, but after all, they are embarrassed to ask, and the funds may be used for other purposes, which is not convenient. As the saying goes, you get what you pay for. As an individual, you should know some usage of bank funds, which can help you solve your urgent needs at critical times. In fact, many financial institutions can solve the problem of borrowing money in a proper way. Let's take a look at these decent ways to borrow money.

Bank: Low threshold

Amount: 500,000-300,000. It is expected that the annualized interest rate can reach below 10%.

If you want to spend a lot of money to improve your quality of life, it is a good way to have a stable career, such as a university teacher, a civil servant and a personal credit loan from a bank. This is a credit loan issued by the bank to borrowers with good reputation, and there is no need to provide guarantee. This loan model has no guarantee at all, and its characteristic is that borrowers can get loans only by their own reputation. Many banks have this business, including the four major banks. Some foreign banks also provide this service. Some banks can provide credit loans of up to 500,000 yuan to borrowers with good credit, usually within three years.

However, such products are not guaranteed, so the annualized interest rate is expected to be high. Many products are sold under the slogan of expected annualized interest rate of 7% to 9%, but ordinary banks use the method of repaying principal and interest, and the expected annualized interest rate of actual repayment is as high as 15%.

Earlier, some media reported that some buyers didn't have enough down payment to make up the down payment. But later, the CBRC expressly stipulated that it could not be used for buying houses.

Information required for application:

1. Provide personal identification such as ID card.

2. Provide stable proof of address, house lease contract, water and electricity bills and other relevant certificates;

3. Provide stable proof of income source, bank flow sheet and labor contract.

If the loan is used to buy big items, study abroad, decorate, etc. , the required amount does not exceed 300,000. If you have a good credit record, a stable working income and a high-quality customer of the bank, you can consider choosing a credit loan.

Bank mortgage loan

Amount: up to 70% of the assessed value of the collateral. Expected annualized interest rate: The benchmark expected annualized interest rate rose slightly.

Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. What we are most familiar with is mortgage. Many people get housing loans by mortgaging their properties with banks. The amount of real estate mortgage loan needs to be comprehensively determined according to the loan purpose, the type of mortgaged house, the repayment ability of the applicant and other factors.

With ordinary houses as collateral, you can apply for a maximum of 70% of the real estate appraisal value; With high-grade houses, villas, high-grade apartments and commercial houses as collateral, you can apply for up to 50% of the real estate appraisal value.

The expected annualized interest rate of mortgage is much lower than the expected annualized interest rate, which is generally implemented according to the expected annualized interest rate of loan announced by the central bank, and sometimes fluctuates slightly. It is generally expected that the annualized interest rate will be within 6%-8% (depending on the loan term).

Materials needed to apply for mortgage loan:

1. has legal status;

2. Have a stable economic income, have the ability to repay the principal and interest of the loan, and have no bad credit record;

3. If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract and have paid or paid a down payment of not less than 30% of the total price of the purchased house.

bank

Amount: up to 90% of the pledged property.

Pledges include treasury bonds, national key construction bonds, financial bonds, AAA corporate bonds, savings certificates, insurance policies and other securities.

On July 20 1 1, Mr. Wang deposited a sum of 50,000 yuan for three years, and now he is in urgent need of money, so he needs to withdraw the deposit in advance. However, if it is withdrawn in advance, the current account will be calculated from the initial deposit date. According to the current expected annualized interest rate of 0.35%, the interest is only 500 yuan in 34 months. After three years, the interest totaled more than 5,000 yuan. Considering that the three-year period of this fund is coming, financial management suggests not to withdraw it in advance, but to do it for 2 months. 90% of the loan of 50,000 yuan is 45,000 yuan. According to the expected annualized interest rate of the current loan of 6.0%, the loan interest needs to be around 450 yuan. This can be about 4500 yuan more than the direct withdrawal method.

Where securities such as bank drafts, bank acceptance bills, cheques, promissory notes, certificates of deposit, treasury bills, etc. are pledged, the maximum pledge rate shall not exceed 90%; Movable property, stocks, commercial acceptance bills, etc. If pledged, the maximum pledge rate shall not exceed 70%.

It is very convenient to handle the bank. Just bring your ID card and the certificate of rights you want to pledge, and you can handle it at the relevant bank counter, and it is very efficient. Some banks can get loans at that time. There are no other expenses, only need to bear the loan interest.

Withdraw cash by credit card

Credit limit: up to 50% of the credit limit.

Credit card withdrawal is different from credit card withdrawal, which is one of the inherent functions of credit card itself.

Generally speaking, credit card withdrawal only happens when there is a particularly urgent demand for funds, and the demand for funds is not particularly large. Credit card withdrawal interest is very high, and there is a withdrawal fee, which is generally 65438+ 0% of the withdrawal amount. Some of them should pay 0.5‰ interest every day from the same day, and compound interest will be calculated after more than 3 1 day. If the time is too long, even a small cash withdrawal will bring a great interest burden.

The overdraft withdrawal amount is set according to the cardholder's card usage, and the maximum amount shall not exceed 50% of the cardholder's credit limit. Some banks can't exceed 30% credit. In addition, if you withdraw cash from an ATM, banks usually stipulate that the daily withdrawal amount cannot exceed a certain amount. For example, the credit limit of Xiao Liu's ICBC credit card is 50,000 yuan, and the maximum withdrawal can only be 25,000 yuan.

Pawn loan

Compared with the cumbersome procedures and long cycle of banks, pawn loans have the characteristics of "short, flat and fast". The biggest advantage is that the application period is short and the processing speed is fast, which can meet the urgent capital demand. As long as the discerning person in the pawnshop thinks what you bring is valuable, you can get the cash you need urgently in about 1 hour. For collateral, the pawnshop will tell you a final redemption date (usually two to three months). If it is not redeemed after this date, the things will be handed over to the pawnshop.

Pawnshops mostly favor real estate such as real estate, cars, gold and digital products of home appliances. And it can be pawned smoothly. The expected annualized interest rate of pawn is generally around 3%, which is equivalent to more than 30% annual interest.

Because of its simple procedures, hundreds of thousands of yuan of funds can be completed in one or two days, so it is acceptable for some people who need to borrow funds in the short term.

commercial bank

Commercial banks refer to RMB issued by China Commercial Bank to borrowers for their legitimate business activities. The main service targets are the vast number of industrial and commercial self-employed, small workshops and small owners. The loan amount is generally less than 200,000 yuan, 1 1,000 yuan or more. This business can be said to solve the urgent need for small and medium-sized enterprises that urgently need money. Its characteristic is that it is issued by credit or guarantee, without mortgage, and it is flexible and convenient. The guarantee method can be natural person guarantee, merchant joint guarantee or guarantee company guarantee.

Private loan

The credit industry in China has developed rapidly. Some credit companies with standardized management and good service reputation have emerged. In the absence of "surplus grain" in banks, many SME owners are in urgent need of money and can only turn their financing channels to private lending institutions such as companies and pawn shops. Lending companies are generally favored by lenders for their fast lending and fast procedures. As a borrower, a company inquired about two private lending institutions. A company offered a monthly interest rate of 3.5%, but there must be collateral. Another guarantee company quoted a monthly interest rate of 4%, that is, the expected annualized interest rate of a loan of 6.5438+0 million yuan was 40,000 yuan, slightly lower than the expected annualized interest rate of 5% at the end of last year.

Online loan platform

"Borrow" and "Flower"

Alipay has opened "borrowing" and "consumption", and then you can apply for opening according to the usage of Alipay and your sesame seed score and comprehensive score. If it is opened, there will be restrictions on its use. Just like a credit card, there is no interest within one month, and the principal can be repaid in full.

Money is urgently needed to solve this problem.

With enough money, you can do some short-term financial management. One month, the expected annualized expected return is also good, many times that of the bank. You can take it out at any time when you need it, which is very convenient and can earn interest.

People walk in society, how can they not be short of money and need money badly? Calm down first and think about how to borrow money smoothly. In addition to borrowing from relatives and friends, the above methods can be considered. Money is fluid, and no money is only temporary. I hope that the above decent ways of borrowing money can help everyone.

Friends circle slogan

Friends circle slogan:

Use tomorrow's money to complete today's dream;

The answer is that I hope to add "loan" and "save" to be brilliant (dream);

Bank loans are different;

Humanized loan to meet your wishes.

Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

What are the common campus loan publicity? There are no formalities.

Hello, the publicity content includes: the propagandist claims that the employees of the online loan platform "swipe their bills to offset their performance" and pay a small commission as a reward to induce college students to use their identity information to apply for online loans and transfer the loans to the designated accounts provided by online loans. Liar. Liars will repay their previous monthly payments as agreed to gain trust, and will induce you or more people to borrow money during this period.

: 1. What is a loan?

Nowadays, people often use loans in their lives. There are many kinds of loans, which are usually divided into mortgage loans and credit loans. There are also many ways to borrow money. In addition to common bank loans, there are also local companies, but loans are also accompanied by risks, and borrowers need to measure their economic ability to choose.

2. What are the forms of consumer credit?

At present, among the loan types we contact, consumer loan is the largest loan project, including mortgage and car loan, which is the opposite concept to corporate credit. All loans that meet the personal needs of individuals and families can be called consumer loans. Generally speaking, consumer loans have the following forms.

The minimum loan interest rate is 0.75%, and we promise not to charge any agency fees. Apply in three steps with the same amount and the same paragraph, and quickly match the credit manager in one minute. The threshold is lower, the rate is lower and the variety is richer. I suggest you apply for a loan and apply for admission:

1. Credit.

Short-term credit provided by retailers to consumers, that is, selling goods through deferred payment. Most western countries use credit cards for regular settlement.

2. installment payment.

When consumers buy high-end consumer goods, they only need to pay a part of the purchase price, and then pay the rest by raising interest rates in installments according to the contract. If the consumer fails to repay the loan on time, the purchased goods will be recovered and the paid goods will not be returned.

3. Consumer loans.

Loans provided by banks to consumers through credit loans or mortgage loans, credit cards, check guarantee cards, etc. Consumer credit can be divided into buyer's credit and seller's credit. The former is a direct loan to consumers; The latter is to provide loans to commercial enterprises that sell consumer goods with installment bills as collateral, or banks sign contracts with commercial enterprises that sell goods on credit and pay the goods to commercial enterprises in cash.

What exactly is a credit loan?

One,

1. Credit loan refers to the loan issued by the borrower's credit, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China.

2. Because of the risk of this loan, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk. Credit loan business is mainly handled by banks, loan companies and electronic financial institutions. Banks with credit loan products in China include China Merchants Bank, Citibank, Standard Chartered Bank, Ping An Bank and Bank of Ningbo.

Credit loans (credit loans) are booming in China. Although the time is not long, all parties are actively launching products to compete for the market. The credit loan of the loan company is about 200,000-300,000, and the interest rate is 1.5%-3%. Some loan companies are well known. These products are characterized by high speed and flexible quota, but the cost is hidden in fees and other charging items. The actual loan cost is much higher than the interest rate advertised.

3. Credit loan of guarantee company is a credit loan provided to customers through bank lending guaranteed by guarantee company. Generally, it can reach up to 300,000 yuan, and the charging mode is bank loan interest plus guarantee fee of guarantee company. Formal guarantee companies only charge a certain percentage of guarantee fees and will not charge interest, which is also a standard to distinguish whether guarantee companies are formal or not. P2P loan financing platform, the amount is not too high, and the speed is between loan companies and banks. Its characteristic is that the loan procedures can be completed through the Internet, and repayment can be made through online banking or Alipay, but the rate is uncertain. Enterprises (institutions), legal persons, other economic organizations and individual industrial and commercial households that have been approved and registered by the administrative department for industry and commerce and meet the conditions stipulated by the General Rules for Loans and banks.

This briefing on the bank credit publicity loan scheme and the briefing on the bank publicity loan policy are over. I wonder if you found the information you need from it?