th thut ca mt s ngi tr SG thng dng mua nh.

bn c 700tr bn mun mua nh 1t . bn phi tm cch tha thun vi ch nh ng k mua bn chuyn giao nh trc sau em nh i
NH cm sau ly tin tr ch nh. Nh em cho ghp nu may mn vi cch khong vay u i sau vi nm bn c 1 cn nh. Vi gi
bin ng ca BDS hin gi tnh ra bn vn c li khi mua nh kiu ny.
kh khn duy nht gp phi l rt him ch nh no dm lm th tuy nhin nu gp may v uy tn th vn c

My bc ng vay 5 nm,m nn vay 10-15 nm cho n ri ra nh,sau 5 nm th gom tr nguyn 1 cc n ko pht,mnh lm vy vi 2 cn

lun,mi cn mua mnh vay 2 t, tr 20 nm mi thng tm 20t, cho thu 1 cn 4t tn bnh gi 13t,cn 8t qun 1 gi 26t, sau 2 nm
mnh tin tr n pht 1% trn s tin 2 t,nhng bn mnh gom 2 cn lm nh mc vay cho cty
l cch nhng anh c nhiu nh da vo ngn hng khi cn s tin ln alo l c ngay,khi vay bng nh mc th li tnh theo ngy,cn
l rt ra,xong vic tr li,trnh tin n nhn ri

Lm ci fecredit ny o c tng lai u, nghip v khng bit, ch bit sales thi. Lm mng th chp m kho th cn mu hn th ny
nhiu. Ni chung l bin thnh ngh tay tri cng c, kim dm by c cng d. Nhng lnh mi vo m chin l hi khoai .

M lm fecredit lu, cng ngy cng quen vi phn khc thp, n lc tuyn ch khc n o thm nhn, v lm o c quan h g bn phn
khc khc u.

Mnh lm VPbank y, ng n 11h tra dy cng c, o c ch tiu, target g ro, thch th i, ko thch th nh ng, nhng 1 thng vn

c 15-18 loan, 13-16 tr . M y ch l ngh tay tri ca mnh.

Ch mt l kim khch hng v i ly giy t khch hng thi. Kim khch th hi cc cht, nhng ci cu "Don't work hard, work smart" lun
ng, lm g cng c cch ring ca n nn mnh chng nhc cng lm m cng c khch u u.

M ni v ngn hng th cng ty loi, nhng ght nht ci bn o tng lc no cng mun ngi vn phng my lnh, thng lnh trn chc
c.

Hm ri team mnh va tuyn ngi, c 1 em hc vin ngn hng u vo khoe bng cp vl. Xong ng sp hi ngh ny phi chu kh ra
ng kim khch, bng mi cch tm c khch hng nh pht t ri, dn qung co, min sao ngi ta bit n mnh.

Con b trn trn mt ln, ri tnh b : mt em vy m phi i pht t ri h ? Em tng ngi trong phng ri khch hng c sn n k
hp ng thi ch. Dm lo sp nhn n ri ni 1 cu : thi em em bng v i. Em ph hp vi cng vic khc hn, vy i nha.

Con b trc khi v cn ni 1 cu : lm mt thi gian ngi ta, ngh sao bng i hc m bt i pht t ri. :rolf:

Em vi lo sp ngao ngn : mt thy my a hc vin ngn hng, ti chnh ngn hng gi mail xin vic th delete gp, khi ku n ln
phng vn mt cng

Th nh mnh ni, y l ngh tay tri ca mnh, cn vic chnh th mnh ang 1 lnh vc hon ton khc nn khng quan tm my n
tng lai ca ngh ny.

M ngnh ny chng sng c th. C nhn Prudential ka, nm 2007 vo VN, ht c my trm ngn khch hng, li nhun bit bao nhiu
m k, phi ni l lnh vc tn dng ngy y thng ny nm trm.

Nhng gi th sao ? Cc tay k cu Pru by gi i ht ri. T best sale Trn Quang Thch ~60 app/ thng (gii ngn ~ 1,5 t, ~ 60 c/thng)
b qua VPbank, cho n ng gim c b phn duyt h s STC Qun 1 b qua mt ngn hng ln (ng ny mun khch ra loan l
ra, ko mun th reject 1 pht 1). Th phn ca pru ngy cng thu hp dn.

V ri cng s n ngy ca FE, ca PPF, ca ACS ra i khi ngy cng c nhiu ngn hng nhy vo lnh vc tn dng m h vn chng mn
m g, v li nhun tng i nhng ri ro cc cao. Thi g ht c nhiu th ht, sau ny ri tnh. Lm c tin th c lm, khi no kh n qu
th ngh vy.

u tin ng trn lm, chc cng lm FE th

t nhng nhn vin ci thi, thng pht phet dm ba h s l ht ct, m m
ng xong ln mng

chm gi. V nghe ci ging iu thy tre tru vi to mm vi

Mnh trc cng lm cng ty ti chnh, nhng l Prudential. Trong team c ng anh lm khip, thng 2-3 chc c. Khc team th ngi chc
c nhan nhn ra, nhng cha thy ai tinh vi nh b trn c

Mnh FE tht, v nhng iu mnh ni u l s tht, chng c g l tinh vi c. Cn pht pht dm ba b th mi bn xem portal ca mnh.
Mnh vo lm ngy 24-07-2014 v Loan u tin ra ngy 01-08-2014, v thng u tin mnh ra 9 loan. K hiu hp ng l 20140801-
500000-xxxx, c ngha l ra ngy 01-08-2014.

Ti nay l 42 loan ra mnh cn 10 case ang chy. Tnh ra l 50~52 loan/4 thng = trung bnh ~13 loan/thng. (y l ch tnh trn portal,
cha k cn rt nhiu h s xa nh Bnh Dng, ng Nai mnh ko i ly c nn cho my thng trong team ng qun lm, chia
li cho mnh 3-4 x)
Thch th mnh cho teamview. Nu c thng no di 8 loan mnh thua g cng chi, cn mnh thng no cng t 9 loan tr i bn thua mnh
ci card viettel mobi g 100k thi, chi khng

Chi nhnh mnh c m kia thng 47 loan ka, lng 47x9 = 42,3 c y, cha k cc h s p cn qua bn Pru na, 1 thng m y kim
hn 5x c ch o a. Mnh trc cng Pru qua y, nhng bn gi chua vl nn gi qua y, d th hn. Pru team c ca mnh c ng
thng ra 600-800tr u nh chanh vt, hoa hng lc no cng max 3.95% ~ 24tr-32tr/thng

Mnh bit mnh ch l qun qun thi, v y l ngh tay tri ca mnh, cha tht s i su vo lm. Mnh ngh ngnh tn chp ny sng khng
th u, ch vi ba nm dn ai cng vay ht, th trng sm bo ha ri

fe credit cn g phi c bng NH. nhng thng c bng NH ra nu lm cng ch lm vi thng ri kim vic khc v ci sales ca thng ny lm
xong ch hc hi c ci m g v nghip v c, ch ln mi kh nng sale, n lc sang NH khc ch c ci g trong u c. team lead ca ci
ny cng ch cn kh nng g, lm 1 - 2 nm m sales tt s ln. bn no va ra trng m mun hc hi hoc nhng bn no ko c bng v
tc-nh m thch lm v NH th lm ch theo ci ny chua lm v bn ny vt chanh b v lm, n lc g ri phi tay ngay, khng coi cng sc
mnh b ra l g u.

lm sales cho my cng ty ti chnh ny mun vo th vo thm . H s l bng cp 3. Khch hng ch yu l ngi c thu nh
p thp, a s
l cng nhn trong KCN. Thm i trn jng hay thy t ri cho vay tn chp, y l ca FE Credit vi Prudential y.
Em lm ri nn bit

bn tm hiu v Fe credit vi Prudential i. y l 2 cng ty ti chnh chuyn cho vay tn chp. Ni thng ra ai mun vo th vo, quan trng l
tr c hay khng m thi