Rebirth of financial migrant workers

Chapter 54 The professional mortgage team of Sanlimiao Branch
Personal housing mortgage loans are a type of bank loan that accompanies the emergence of commercial housing.

It emerged in the 20s, but due to the small volume of commercial housing transactions, low interest rates, and small single transaction amounts at that time, banks did not pay attention to it at first.

After entering 2000, as the commercial housing market heated up, various banks introduced policies one after another to compete for the loan market.

Until 2008, when loans to buy houses reached their peak, Huaguo introduced a series of purchase restriction policies, which to a certain extent controlled the growth rate of the proportion of mortgage loans in various banks.

The reason why personal housing mortgage loans have become the favorite of banks is mainly because of its large overall volume, relatively small risks, and most importantly, its extremely simple operation.

A novice banker needs at least two or three years of training before he can take on personal business loans and small business loans, while personal housing loans only require one day of training before he can take up the job.

At this time, a Mercedes Benz was driving, please don’t touch me.

Wang Chunliang drove the car with a helpless expression:
"I said you both have been in the bank for more than a year, and you haven't even taken the driver's license test. How can there be a bank account manager who can't drive!"

Ma Xiaobao and Li Xiao in the back row nodded obediently to admit their mistake, but Sister Jun, the co-pilot, said somewhat dissatisfied:

"Mr. Chunliang, what you said is wrong. I can't drive either."

Ma Xiaobao quickly changed the subject and asked:
"Master, if we spend so much effort on housing loans, do we really get so much profit?"

Wang Chunliang: “Not to mention the income from loan interest, let’s talk about the deposits that can be derived from each mortgage loan.

Let’s talk about the down payment first. It takes at least 7 days from the time the customer deposits the money into the bank card until it is deducted when the loan is issued. This is the average daily savings deposit of seven days.

Let’s talk about lending. The loan will eventually be disbursed to the developer’s corporate account in the bank, forming an average daily corporate deposit.

Finally, when it comes to early repayment, banks will require customers to deposit money in the bank one month in advance, which is another month's average daily savings deposit. "

Sister Jun interrupted and added:
"In addition to these, indicators such as online banking, SMS notifications and credit cards can also be completed through a large number of mortgage customers. Mortgage customers in high-end communities are our potential high-quality retail customers."

Li Xiao smacked his lips:
"This bank is really trying to squeeze value out of its customers."

Wang Chunliang smiled:

"Otherwise, why would banks be so desperate to get mortgages? So we are bound to win Baihuayuan's mortgage business this time."

Sister Jun whispered:
"Even if you betray your appearance."

Don't touch me quickly arrived at the Baihuayuan sales department.

Xia Man came out immediately.

Today she is wearing a pink dress and white high heels, like a butterfly flying among the flowers.

Ma Xiaobao and Li Xiao both looked straight.

Ma Xiaobao murmured:

"The one at the head office last time was 99 points, and this time it was 99 points again."

Li Xiao was slightly dissatisfied:

"You ungrateful person, if it hadn't been for Mr. Luo helping you last time, would you have been safe? So 100 points for Mr. Luo, and 99 points for this one."

Xia Man took a look at Sanli Temple's lineup for this trip and found that there were only two full-time personal loan managers, which was a bit different from the Haikou that Wang Chunliang boasted about yesterday, and she couldn't help but frown slightly.

She approached Wang Chunliang and said businesslikely:

"Manager Wang Chunliang, since you are here, let's first get to know the members of the Friends of Bank of China who have performed well at opening times in the past."

Wang Chunliang followed Xia Man into the hall.

I saw a row of elite men in neat suits sitting in the best seat just after entering the door.

A middle-aged female elite was standing in front of them and lecturing excitedly.

After seeing Xia Man, the female elite took the initiative and came over with another male follower.

Xia Man first introduced Wang Chunliang:

"This is the most efficient bank mortgage team in Hedong City - Personal Loan Center of Shuanghe Provincial Branch of China Construction Bank. The leading lady is Mr. Jian of the Personal Loan Center."

Wang Chunliang greeted the other party in a neither humble nor overbearing manner:

"Hello. Chunliang, the king of Sanli Temple of Mule Bank."

Mr. Jian nodded, then glanced at the team behind Wang Chunliang, and shook his head again.

She pulled Xia Man and asked quietly in a loud voice:
"This is also the bank you cooperated with when it opened? Doesn't Mule Bank have a branch? Look at this Sanlimiao branch, it doesn't take it seriously at all. There are only four people here, and two of them don't look like loan managers. "

The male attendant from China Construction Bank took this opportunity to sneak up to Wang Chunliang, with an enthusiastic look on his face:
"That's your Mule Bank Hedong Branch over there. If their performance is very good after the market opens, you will be criticized badly; but if the performance is very poor, then most of them will not be criticized. Therefore, Manager Wang, share Please tell us about your branch’s marketing strategy and latest preferential policies. If you help us, you are helping yourself.” Wang Chunliang also looked enthusiastic:
"Oh, thank you to the manager. Come on, add me on QQ, and we'll tell you the inside story on there."

Wang Chunliang quickly took the trumpet and added several QQ members of the elite members of China Construction Bank. While Xia Man was being talked to by the female elite, he called Ma Xiaobao and the others to find a deserted corner.

Wang Chunliang sent the QQ account password to Ma Xiaobao and said seriously:

"In the past two days, you have found out their mobile phone numbers and mortgage promotional pictures from these people's QQ spaces. Then you pretend to be customers and make calls to find out their overdue credit limits for loans and the loan requirements after they are overdue. required remedial conditions.”

Not long after, Xia Man finally got rid of Mr. Jian's "entanglement" and found Wang Chunliang again.

She led Wang Chunliang to the Hedong Branch of Mule Bank again.

"No need for me to introduce you here. Manager Wang Chunliang, you are both from the same bank. Do you want to discuss how to allocate customer resources first?"

Xu Fangfang from the personal loan center of the branch directly repeated Guan Peijuan’s instructions:
"Manager Wang, Mr. Guan asked me to tell you that everyone grabs orders based on their ability. But if you ruin the brand of Mule Bank because there are few people and you are not familiar with the business, the branch will not let you off easily."

Zhao Moumou from the Silidun branch couldn't help but laugh out loud:
"There are only a few people in Sanli Temple, and they still grab orders. The soup is so strong that I can take a few sips."

Wang Chunliang patted Zhao Moumou on the shoulder, said "Come on Sili Dun" and took out his mobile phone to call Zhang Yu.

"Everyone has been received, then come in."

Three minutes later, the entire hall fell silent.

I saw 15 people wearing Mule Bank uniforms walking in neatly in two lines.

Wang Chunliang pointed at them and said to Xia Man:

“Mr. The card issuing machine will be stationed at the point to issue cards, saving customers the trouble of going to the bank counter to apply for a card. I wonder if you are satisfied with the professional mortgage team of our Sanlimiao branch?"

The follower of China Construction Bank rushed to the female elite and said worriedly:

"This is troublesome. There are half as many people in Sanli Temple as we do."

The female elite also replied with a big head:

"They also have mobile card issuing machines, and our head office hasn't even invited bids yet!"

Xu Fangfang held up the phone she was talking to Guan Peijuan on and said to Wang Chunliang seriously:
"Except for the middle-level leaders and tellers, your Sanli Temple only has four account managers left. The manager asked me to warn you that outsiders are never allowed to be used in loan signings!"

After hearing this, Wang Chunliang waved to the front:

"Gangzi, show your Mule Bank work certificate to the branch leader."

Ten minutes later, the hall returned to its previous busyness.

It’s just that the China Construction Bank team and the Mule Bank Hedong Branch team were obviously much quieter than before.

Sister Jun found an opportunity to lie on Wang Chunliang's shoulder and whispered into his ear:

"Chunliang, where did you get so many people? Are their work certificates fake?"

Wang Chunliang: "100% employees in the bank. I asked a few colleagues who I knew from training to recruit a group of employees who have studied housing loans from their branch to help."

Sister Jun: "They are all account managers? What about their own jobs?"

Wang Chunliang: "They are all tellers. They work half a day, so it's easy to take time off."

"Obligations?"

"How is it possible? Give them 50 yuan for each loan they sign."

"President Liu agrees to reimburse?"

"That's for sure, and the limit given by President Liu is 120 yuan per transaction."

Just when Wang Chunliang patiently answered Sister Jun,
In the temporary director's office on the second floor,

Xia Man was sitting on the sofa answering the phone.

"Since you are so interested in him, why are you still stumbling on him at work?"

"Sister, don't I just want to sell him a favor when he fails to fulfill his request~"

"That's bad. It didn't bother him today."

"Don't be afraid, we at Shuanghe Land have other requirements for him!"

(End of this chapter)