Loan Guide PDF

Certainly! Here’s a comprehensive guide for each loan type, including eligibility criteria, additional benefits, and a more detailed understanding of the customer’s needs and profile. 1. Personal Loan Introduction: "Hello [Customer Name], main [Your Name] hoon, R.A.T. Financial Services se. Person...

Certainly! Here’s a comprehensive guide for each loan type, including eligibility criteria, additional benefits, and a more detailed understanding of the customer’s needs and profile. 1. Personal Loan Introduction: "Hello [Customer Name], main [Your Name] hoon, R.A.T. Financial Services se. Personal loan ke liye aapke saath baat karna chahta hoon. Yeh loan aapke personal expenses cover karne mein madad karta hai, jaise medical emergencies, travel, education, ya home renovation." Detailed Information Collection: 1. Loan Amount: - "Aapko kitni amount ka loan chahiye? Personal loans generally 50,000 se 25 lakh tak available hote hain." 2. Income & Employment: - "Aapki monthly income kitni hai? Aap kis company mein job kar rahe hain aur kitne samay se?" - "Agar aap salaried hain, to company ke financial stability bhi check kiye jaate hain. Agar aap self-employed hain, to aapke business ke turnover aur stability dekhi jaati hai." 3. Credit History: - "Aapka credit score kya hai? Achha credit score aapko lower interest rates aur better terms de sakta hai." 4. Existing Liabilities: - "Aapke paas koi existing loan ya EMIs hain jo aap repay kar rahe hain? Yeh information aapki repayment capacity assess karne mein madad karti hai." 5. Loan Tenure & EMI: - "Aap loan kitne saalon ke liye lena chahenge? Aap kitni EMI afford kar sakte hain? Tenure 1 se 5 years tak hoti hai." 6. Loan Purpose: - "Aap personal loan kis purpose ke liye use karenge? Yeh loan purpose lender ko loan approval process mein madad karta hai." Documents Required: - Identity proof (Aadhaar, PAN). - Address proof (Utility bills, passport). - Recent salary slips (last 3 months). - Bank statements (last 6 months). - ITR (for self-employed individuals). Additional Benefits: - No collateral required. - Fast processing and disbursal (usually within 48 hours). - Flexible tenure options. - Prepayment and part-payment options without penalties. 2. Business Loan Introduction: "Hello [Customer Name], aapka business expand karne ya working capital ke liye funds ki zarurat hai? Hamare business loans aapko growth aur financial stability achieve karne mein madad karte hain." Detailed Information Collection: 1. Business Nature & Duration: - "Aapka business kis field mein hai (manufacturing, services, trading)? Business kitne saal se chal raha hai?" 2. Annual Turnover & Profitability: - "Aapka annual turnover aur profit margin kya hai? Yeh information lender ko business ki financial health evaluate karne mein madad karti hai." 3. Loan Amount & Purpose: - "Aapko kitni loan amount chahiye? Aap loan ka use kis liye karenge (inventory purchase, machinery, expansion, etc.)?" 4. Existing Liabilities: - "Aapke business par koi existing loans hain jo aap repay kar rahe hain? Existing liabilities aapki repayment capacity ko impact kar sakti hain." 5. Collateral (If Secured Loan): - "Kya aapke paas business property, equipment, ya assets hain jo aap collateral ke roop mein rakhna chahenge?" Documents Required: - Business registration documents (GST registration, trade license). - Financial statements (Balance Sheet, Profit & Loss account) of last 2-3 years. - Income Tax Returns (ITR) for last 2-3 years. - Bank statements of last 6-12 months. - KYC documents (PAN, Aadhaar). Additional Benefits: - Loan amounts up to 50 lakh or more based on eligibility. - Flexible repayment tenures up to 7 years. - Minimal paperwork for unsecured loans. - Quick disbursal and competitive interest rates. 3. Home Loan Introduction: "Hello [Customer Name], aap apna ghar khareedne ya renovate karne ka plan kar rahe hain? Hamare home loans aapko low interest rates aur flexible repayment options ke saath milte hain." Detailed Information Collection: 1. Property Details: - "Aap kis type ki property khareedna chahte hain (residential, commercial, ready-to-move, under construction)? Property ka location kya hai?" 2. Loan Amount & Down Payment:  - "Aapko kitni loan amount chahiye? Property ke value ka 80%-90% loan amount cover hota hai. Aapne kitna down payment arrange kiya hai?" 3. Income & Financial Stability: - "Aapka monthly income kitna hai? Aapki EMI affordability assess karne ke liye aapke financial commitments aur stability check ki jati hai." 4. Existing Loans: - "Kya aapke paas koi existing loans hain jo aap repay kar rahe hain?" 5. Co-Applicant (If Any): - "Kya aap loan ke liye co-applicant rakh rahe hain? Co-applicant ki income bhi loan eligibility ko impact karti hai." Documents Required: - KYC documents (Aadhaar, PAN). - Salary slips/ITR for last 2-3 years. - Bank statements (last 6 months). - Property documents (Agreement to Sale, Title Deeds, Property Tax Receipts). - Form 16 (for salaried) or business financials (for self-employed). Additional Benefits: - Longer repayment tenure up to 30 years. - Low interest rates starting from 7-8%. - Tax benefits under Section 80C and 24(b) on principal and interest payments. - Option for balance transfer and top-up loans. 4. Loan Against Property (LAP) Introduction: "Hello [Customer Name], agar aap apne existing property ke against loan lena chahte hain, hum aapko competitive interest rates ke saath Loan Against Property offer karte hain." Detailed Information Collection: 1. Property Type & Market Value: - "Aapke paas kaunsi type ki property hai (residential, commercial)? Property ka market value kya hai?" 2. Loan Amount & Purpose: - "Aapko kitni loan amount chahiye? Aap loan kis purpose ke liye use karenge (business, education, personal expenses)?" 3. Income & EMI Affordability: - "Aapka monthly income kya hai aur aap kitni EMI comfortably pay kar sakte hain?" 4. Existing Loans: - "Kya property par koi existing loan hai jo aap repay kar rahe hain?" Documents Required: - Property papers (Title Deeds, Tax Receipts). - Income proof (Salary slips, ITR). - KYC documents (PAN, Aadhaar). - Property valuation report. - Bank statements (last 6 months). Additional Benefits: - Higher loan amounts (up to 50%-70% of property’s market value). - Lower interest rates compared to unsecured loans. - Longer tenure up to 15 years. - Funds can be used for various purposes including business and personal needs. 5. Vehicle Refinance / Commercial Vehicle Refinance Introduction: "Hello [Customer Name], agar aap apne vehicle ke against refinance karna chahte hain, chahe personal car ho ya commercial vehicle, hum aapko competitive rates ke saath refinance options provide karte hain." Detailed Information Collection: 1. Vehicle Details: - "Aapke paas kaunsa vehicle hai (personal car, commercial truck, etc.)? Vehicle kitne saal purana hai aur current model kya hai?" 2. Existing Loan Balance: - "Aapke vehicle par kitna existing loan balance bacha hai?" 3. Loan Amount Required: - "Aapko refinance ke through kitni additional loan amount chahiye?" Documents Required: - Vehicle RC (Registration Certificate). - Insurance papers. - Existing loan statement (if applicable). - KYC documents (PAN, Aadhaar). - Income proof (Salary slips, ITR). Additional Benefits: - Lower EMIs by refinancing at a lower interest rate. - Additional funds through top-up loan. - Quick processing and disbursal. - Competitive interest rates based on vehicle age and condition. 6. Balance Transfer (BT) and Top-Up Loan Introduction: "Hello [Customer Name], agar aap apne existing loan par higher interest rate pay kar rahe hain, to balance transfer aur top-up loan options se aapko better rates aur additional funds mil sakte hain." Detailed Information Collection: 1. Existing Loan Details: - "Aapka existing loan kis bank/institution se hai? Aapke loan ka outstanding balance aur interest rate kya hai?" 2. Remaining Tenure & EMI: - "Aapke loan ka remaining tenure kitna hai aur aap kitni EMI pay kar rahe hain?" 3. Top-Up Requirement: - "Aapko balance transfer ke saath koi additional funds chahiye? Agar haan, to kitni amount?" Documents Required: - Existing loan statement. - KYC documents (PAN, Aadhaar). - Bank statements (last 6 months). - Income proof (Salary slips, ITR). Additional Benefits: - Save on interest rates by moving to a lender with lower rates. - Top-up loan for additional financial needs without a new application. - Flexible tenure and EMI options. - Simplified application process with existing loan details. Closing for All Loan Types: "Thank you [Customer Name], aapke details ke adhar par hum aapke liye best loan options recommend karenge. Agar aapko koi further questions hain ya application process shuru karna hai, to please contact me at [Phone Number]. Main aapko loan process ko asaan aur efficient banane mein madad karunga. Dhanyavaad!" This detailed approach should help you effectively gather the necessary information and offer the best loan options tailored to the customer’s needs. Here’s the refined script including the steps for initiating the conversation, followed by answering questions in a blank-calling scenario: Blank-Calling Script for Loan Products Step 1: Introduction and Building Trust Caller: "Hello [Customer Name], main [Your Name] hoon, R.A.T. Financial Services se baat kar raha hoon. Aap kaise hain? Aaj main aap se ek short conversation karna chahta hoon regarding loan options jo aapki financial needs ko address kar sakte hain." Step 2: Confirming Availability Caller: "Kya yeh sahi time hai baat karne ke liye? Agar aap abhi busy hain, hum ek aur convenient time arrange kar sakte hain." (If they are available, proceed to Step 3. If not, set a callback time.) Step 3: Introducing Loan Products Caller: "Hum various loan options provide karte hain, jaise ki personal loan, business loan, home loan, loan against property (LAP), vehicle refinance, aur balance transfer loans. Kya aapko kisi specific loan mein interest hai ya main aapko different products ke baare mein thoda bataoon?" Step 4: Taking Basic Details for Case Evaluation Caller: "Is loan application ke process mein, hum thodi basic details collect karenge taaki hum aapke liye best loan options recommend kar sakein. Kya aap thodi basic information dena chahenge?" Case-Specific Details & Answering Questions 1. Personal Loan Initial Steps: - Step 1: Start by confirming their need for a personal loan. - Caller: "Aapko apne personal expenses ke liye loan chahiye, sahi?" - Step 2: Gather basic financial and employment details to determine eligibility. Customer Questions You Might Answer: 1. Question: "Personal loan lene ka process kitna time leta hai?" - Answer: "Usually, approval 2-3 din mein ho jaata hai agar documents complete hoon. Amount disbursement uske turant baad hota hai." 2. Question: "Kya personal loan secured hai ya unsecured?" - Answer: "Personal loan unsecured hota hai, matlab aapko koi collateral dene ki zaroorat nahi hoti." 3. Question: "EMI calculation kaise hoti hai?"  - Answer: "EMI aapke loan amount, tenure, aur interest rate par depend karti hai. Aapko koi specific EMI calculator ki zarurat ho to main provide kar sakta hoon." Consultation Fee Information: "Is process mein 900/- ka consultation fee hota hai jo non-refundable hota hai. Yeh fee bank ke processing aur aapke application ko quickly handle karne ke liye lagti hai." 2. Business Loan Initial Steps: - Step 1: Begin by confirming the need for funds for business. - Caller: "Kya aap apne business ke expansion ya working capital ke liye loan consider kar rahe hain?" - Step 2: Collect details about the business and its financial performance. Customer Questions You Might Answer: 1. Question: "Kya business loan secured hota hai?" - Answer: "Business loan secured ya unsecured dono ho sakte hain. Agar secured loan le rahe hain to aapko collateral rakhna padta hai, jaise property ya machinery." 2. Question: "Interest rate kitna hota hai?" - Answer: "Interest rate aapke business ke financials aur repayment capacity ke adhar par decide hota hai. Standard rates 12%-20% tak ho sakte hain." Consultation Fee Information: "Business loan ke liye 900/- ka consultation fee lagta hai, jo non-refundable hai. Yeh fee bank ke processing aur loan assessment ke liye hai." 3. Home Loan Initial Steps: - Step 1: Ask if they are planning to buy or renovate a home. - Caller: "Kya aap apne liye naya ghar khareedne ka plan bana rahe hain?" - Step 2: Gather details about the property they are looking at and their financial stability. Customer Questions You Might Answer: 1. Question: "Home loan ka tenure kitna ho sakta hai?" - Answer: "Home loans ke tenure up to 30 years tak ho sakte hain, jo aapki EMI ko kaafi affordable bana dete hain." 2. Question: "Kya down payment ki zarurat hoti hai?" - Answer: "Usually, aapko property value ka 10%-20% as down payment arrange karna hota hai. Baaki loan ke through cover hota hai." Consultation Fee Information: "Home loan ke liye hum 1500/- ka non-refundable consultation fee charge karte hain. Yeh fee aapke loan application ke detailed assessment aur processing ke liye hoti hai." 4. Loan Against Property (LAP) Initial Steps: - Step 1: Confirm that they are looking to raise funds against their property. - Caller: "Kya aap apni property ke against loan lene ka plan bana rahe hain?" - Step 2: Collect details about the property and its value. Customer Questions You Might Answer: 1. Question: "Loan amount property ke value ke kitne percent tak ho sakta hai?" - Answer: "Usually, aapko property ke market value ka 60%-70% loan ke roop mein milta hai." 2. Question: "Interest rate kitna hoga?" - Answer: "LAP ke liye interest rate lower hoti hai, approximately 9%-12% ke beech." Consultation Fee Information: "LAP ke liye 1500/- ka consultation fee hota hai. Yeh non-refundable fee hai jo loan processing aur property assessment ke liye hoti hai." 5. Vehicle Refinance / Commercial Vehicle Refinance Initial Steps: - Step 1: Confirm if they are looking to refinance their vehicle loan. - Caller: "Kya aap apne vehicle loan ka refinance karwana chahte hain?" - Step 2: Gather information about their current vehicle loan and refinance needs. Customer Questions You Might Answer: 1. Question: "Refinance se mujhe kitna fayda hoga?" - Answer: "Agar aapka existing loan higher interest rate par hai, to refinance se aap lower EMI aur better terms enjoy kar sakte hain." Consultation Fee Information: "Vehicle refinance ke liye hum 900/- ka consultation fee charge karte hain jo non-refundable hai. Yeh fee loan process ko smooth aur fast banane ke liye hoti hai." 6. Balance Transfer (BT) and Top-Up Loan Initial Steps: - Step 1: Ask about their current loan and if they are paying higher interest rates. - Caller: "Kya aap apne current loan par zyada interest rate pay kar rahe hain?" - Step 2: Gather information about the outstanding balance and their interest in a top-up loan. Customer Questions You Might Answer: 1. Question: "Balance transfer kaise faydemand hoga?" - Answer: "Balance transfer se aapko lower interest rate par apna loan repay karne ka option milta hai, jo aapki monthly EMI ko reduce karta hai." 2. Question: "Kya main balance transfer ke saath top-up bhi le sakta hoon?" - Answer: "Haan, balance transfer ke saath aap top-up amount bhi le sakte hain jo aapko additional funds provide karega." Consultation Fee Information: "Balance transfer aur top-up loan ke liye hum 900/- ka consultation fee charge karte hain. Yeh non-refundable fee hai jo bank ke processing aur loan disbursement ke liye hoti hai." Closing for All Loan Types: "Thank you [Customer Name], aapke details ke adhar par hum aapko best loan options provide karenge. Aapko kisi bhi further questions ya application process ke liye mujhse sampark kar sakte hain. Dhanyavaad!" This revised format includes clear steps at the start of the conversation to make it smooth and answer customer questions effectively in a blank-calling scenario, ensuring clarity about the non-refundable consultation fee.