European countries have long been taught their citizens to live on credit. This and the country is beneficial - the treasury is replenished at the expense of taxes who pay banks from profits. And the usual inhabitants are also convenient not to lay out at once a large amount on this or that vital need. There are not even frightened people that in the final result, the goods or service is more expensive, but they can afford it to buy at once without collecting the desired amount of money. Russians also get used to using such financial benefits, and credit organizations that are becoming more and more, are already starting to fight for their potential client.
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Any bank or the same credit fund is developing an individual strategy to attract borrowers. But the main thing is to provide a variety of benefits and shares. So many credit organizations are developing special programs for pensioners or students who provide a low loan percentage.
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Conventional workable citizens banks can offer the second and subsequent preferential loan if the first was repaid on time. In this case, in each subsequent credit rate decreases. And then a satisfied customer will tell about this wonderful bank to his friends, and they will also take advantage of its services.
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Most popular with shares dedicated to certain holidays. So, before the new year or March 8, you can also take a loan for a low percentage. But here there may be a small problem, which is worth remembering - a low percentage will "work" only on concrete holidays. Or during the summer holidays, banks can offer a low percentage of the loan, if for this money will be bought on vacation.
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However, no bank will work at a loss. The output can be found - enter into an agreement with the network, such as electronics stores. Then the missing interest bank will pay the store, but they will contribute to the price. But when a potential customer is offered in the store to make a super preferential loan to buy a dear TV, and the Bank's office is located here, then the buyer may not pay attention to the overestimated price of the TV. Situation, as with payment of vouchers to the Emirates. But these are the problems of the borrower that he did not pay attention to the price of the goods. The bank in this situation is completely clean in front of the client.
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The design of the loan in the bank involves the collection of a large number of documents, as a certificate of income, photocopies of personal documents, sometimes - the consent of the spouse or letter of the guarantor. To attract more customers, credit organizations can simplify the procedure and issue a loan only on a passport. The bank is already risking here, but most likely this risk is laid in the interest rate.
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Inside the bank also has its own internal system of attracting customers. It is understood that certain bonuses and awards for each attracted client are accrued to the bank employee. So, a lending specialist will surely try to keep his client to be satisfied with the service and granted benefits and told his friends and acquaintances about it. Perhaps they will also be able to become clients of the bank.
Whatever the methods were not attracted by customers on credit, the reputation of any credit organization should be impeccable. Only transparent schemes and respectful attitude towards any client, even if he takes the smallest buying a baby carriage, can attract more potential borrowers to the bank. Rumors about a reliable and honest bank will make their job.
There are interesting advice, the subtleties that did not pay attention before. What do you think about customer retention services? Can they help attract customers?
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There are interesting advice, the subtleties that did not pay attention before. What do you think about customer retention services? Can they help attract customers?
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