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停息挂账暴利项目拆解,一单赚几千块!

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这几年因为疫情影响,很多行业受到波及,尤其是2022年,北上广深这些超一线城市的疫情,造成各行各业都停工停产。尤其是餐饮行业,无数老板因为疫情不得不宣布停业,更有甚至破产,倒闭。 上海这一轮,已经快三…

这几年因为疫情影响,很多行业受到波及,尤其是2022年,北上广深这些超一线城市的疫情,造成各行各业都停工停产。尤其是餐饮行业,无数老板因为疫情不得不宣布停业,更有甚至破产,倒闭

上海这一轮,已经快三个月了,还没有要停的意思。

等结束后,必然会出现一大波倒闭的。也就爱意味着,会出现一大批负债者。

前几年,行情好的时候,各大行统统放水,互联网金融盛行的时候,信用卡,网贷,花呗,借呗,金条等等各种各样的产品盛行。大到买房,小到买个手机电脑或者冲个话费都要分期。

那些做生意的,很多都是直接用的借呗,网商贷,信用卡等等。

当经济上行,收入大于负债,那这些都不是问题。但是一旦疫情影响,经济下行,很多公司裁员,降薪,做生意的生意倒闭,资金链断裂。那就会出现各种逾期。

一但逾期一个黑户就产生了,所有的卡都会被封,从而产生连锁反应,黑户就这么产生了,而黑户五年才能自动消除。

其实这些人,并不是想主动逾期的。能还上,谁会让自己变成黑户。

那这些负债人有没有办法解决呢?

说到这,今天的项目拆解主题正式开始。

危机中往往带着非常大的商机,有些公司看到了这几年负债群体越来越多带来的商机,于是催收了一个行业叫:停息挂账

停息挂账暴利项目拆解,一单赚几千块!-副业之路

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停息挂账指的是:银行挂账停息是指借款人因故未按期归还贷款本息,银行暂停按期计息的账务处理,所欠借款余额及利息账面趴着(即挂账)留待以后处理。

借款人获得贷款后,未按约定的还款日期归还贷款,因银行内部或外界因素或理由,该贷款及利息不会也不能在短期内获得偿还,为了管理或处理的需要,对该贷款余额不再做计息处理,但贷款本金余额及以前产生尚未归还的利息仍记在原借款人名下。

通俗点讲就是那些无力偿还贷款的人,可以通过法律途径协商不用交剩余贷款的利息,并且剩余贷款可以最长分5年60期偿还。

而操盘这个项目的有些是公司化运作,一般他们一单的利润点在3-6个点,比如10万的网商贷,帮助协商每月还款1666.6,分五年还清,不再收利息,停止催收。那他们一单收客户3000-6000的费用。

帮客户省了2-3万的高额利息,不再被催收。银行那边也不再产生烂账。而他们也赚取了自己的3000-6000每单的利润。

这里的政策:关于信用卡,最高可分期到60期,并且停息分期后,不仅之后的利息不用再缴,还可以申请减免以前违规收取的手续费和违约金。

而网贷:可以最长延期5年,到期后一次性协商本金结清。不用再受催收和起诉。

操盘这个项目,其中的利润是非常可观的,按一个客户收费3000为例,个人一个月10个客户就是3w。而他们公司团队化操作的,一个月都是上百个客户,30w打底。

具体如何操作,个人能不能做?

稍微了解了下这个行业才发现,其实这个项目并不是只有公司才能操作,个人也可以上手,但是其中需要一定的专业话术。

专业点的团队他们都是用律师做信任背书,增加客户的信任度,有利于成交。

但其实这个项目和律师没有任何关系,因为他们操作的逻辑是以客户自己名义和银行去协商的。

做好这个项目有三个点比较重要

第一是流量:通常他们走百度竞价,单个意向客户的成本要去到100-300,或者便宜的免费的渠道通过矩阵去操作,比如抖音快手等自媒体引流。

第二点就是成交:他们操作比较久了有一套成熟的客户成交体系,有利于最大化的成交客户,并且朋友圈会包装成一个专家的形象。

成交后会收定金,然后签合同,让客户邮寄合同和电话卡。

第三点就是和银行协商了:男客户会以男客户的名义,女客户会以女客户的名义,这里就有些技术含量了,如何和银行快速协商解决问题。所谓的技术,对于我们不懂的叫技术,其实也就是一个信息差而已。

很多个人或者小团队操作的,自己去注册个法务咨询公司,有能力的和一些律师事务所,或者个人律师合作。中赚网you85.net觉得这样对于成交会起到事半功倍的效果。

协商不成功,不收费,定金原封不动退给客户,浪费的只是一点时间而已。

项目正规合法:协商是金融秩序的正规范围内操作的,通过电话投诉解决或者邮寄信件的方式和有关机构平台协商处理。

而只要有获取意向客户的能力,或者低价获取意向客户的方法和渠道,那操作这个项目的利润空间是非常大的。

这波疫情过后,又会有一大波负债者诞生,而这个项目也将会诞生一波闷声发财的个人或者公司。

好了,今天的项目拆解就到这。

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