First of all, formal intermediary lending institutions really help many people to get loans successfully. Of course, the intermediate handling fee and service fee need to be borne by the borrower, and the specific amount needs to be determined according to the difficulty of the loan. The operation of informal intermediaries to assist borrowers in lending is not so clean. Don't believe the story that you pay first and then get a loan, and the loan will be successful in two hours.
Advantages and disadvantages of finding an intermediary with a loan
Looking for an intermediary loan-profit
1, save trouble
As we all know, bank loans involve many things, complicated procedures and long time. At this time, the role of the intermediary is to help you reduce things, save procedures and buy time. What you need to do is to send out your true and effective information, so as to avoid some troubles of loan.
2, save labor
The main job of intermediary loans is to help borrowers meet the loan demand. For borrowers, if they want to find suitable loan banks and products, they need to "shop around". Who makes the bank's policies and systems different? The interest rate, term and amount of the loan are all compared by the lender himself. Just find an intermediary loan. Intermediaries all know the loan standards and interest rate concessions of banks. These comparisons and "shopping around" are only handed over to the intermediary.
Step 3 get twice the result with half the effort
Intermediaries walk in the middle of banks. If you get along well with banks, you should appropriately relax the restrictions on your approval materials. Of course, there is no illegal operation, so you will improve your loan pass rate.
Looking for an intermediary loan-disadvantage
There is only one drawback that makes the borrower fall badly enough, and it is estimated that he will not be able to get up in a short time, that is, to find an informal or unidentified intermediary, and the tricky thing is also to make people want to cry.
In short, it is true that loans are easy, labor-saving and get twice the result with half the effort, but the illegal operation of pseudo-intermediaries is not fake, so lenders should pay attention to loans.
Do we have to find an intermediary? That's not true. There are many simple loans, you can apply for them yourself. You only need to provide personal information. Lending institutions also have a complete application process. You should judge whether you need to find an intermediary according to your own demand type, demand amount and other factors.
There are many loan intermediaries in the market now. However, no intermediary agency has made a decision to guarantee that it can help borrowers apply for loans. If the real estate agent contacted by the borrower claims that it is "100% sure", it is basically untrue.
In addition, you'd better find a fully qualified, safe and formal loan intermediary company. Generally, you can find suitable channels, provide valuable suggestions according to the actual situation of borrowers, and find suitable loan products for you.
Are lending institutions reliable?
Formal loan intermediary and bank cooperation are more reliable. Loan intermediary or amount intermediary service is aimed at small and micro enterprise customers and individuals. Many borrowers don't know much about products and loans and need an intermediary to introduce and facilitate transactions. The loan intermediary will undertake the bank's loan service and be responsible for customer marketing, data collection and simple evaluation, which greatly saves the bank's work energy. There are many lending institutions in the market, including banks, each with different application thresholds. If this one doesn't meet the requirements, maybe the other one can pass the application smoothly. However, with so many lending institutions in the market, it is unrealistic for borrowers to try and make mistakes one by one. Loan intermediaries have a more professional understanding of the loan market. They are quite familiar with local lending institutions and master many loan channels. Therefore, according to the actual situation of borrowers, they will look for suitable channels and provide valuable suggestions to find suitable loan products for borrowers. Greatly improve the choice of borrowers, choose the best among the best, and match the most suitable lending institutions for borrowers.
If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
I know many small loan companies. Generally speaking, Baidu has the highest pass rate. The credit line is the highest. Nothing gave me a credit line of 9.5W My colleague directly approved a credit line of 18W.
To spend money (member-only channel), click online measurement.
Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.
It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment.
If the money spent is not enough or there is no limit, it is recommended to try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict!
360 IOUs, with a maximum loan of 200,000!
Click online measurement
Staging music can be borrowed up to 50 thousand!
Click online measurement
Is the loan intermediary reliable?
As a practitioner in the loan industry, let me talk about my personal feelings.
In the industry of loan intermediary, loan intermediary is similar to real estate intermediary. They all hold the priority information of the industry and earn money for information recursion and resource allocation.
Generally speaking, real estate agents and loan agents are sales, but real estate agents sell houses, loan agents sell money and bank money. You can accept a real estate agent because it can really help you buy the house you want in a short time. Because you save time and energy, you are willing to pay part of the agency fee.
However, many people have different views on loan intermediaries. People subconsciously start to reject loan intermediaries, because people think they often deal with banks, so why do they ask people to help them with loans? In addition, many loan intermediaries are unwilling to tell the truth and have no good communication with customers, which leads to worse customer credit information and no loans, which leads to more and more people not recognizing this industry and even getting tired of the idea that loan intermediaries are liars.
I'm not trying to correct the name of this industry. There are too many fried dough sticks in this industry. I just want to write out my truest feelings for everyone to see, so that everyone can have an objective understanding of this industry, rather than blindly denying it. Let's compare real estate agents and loan agents. You usually don't have time to know so many properties. You often go to the bank to deposit money, and subconsciously feel that you are in direct contact with the bank and don't need a third person to dock. But you don't know that there are many banks in a place, and each bank has many loan products, and each loan product has different requirements for customers. Just like you want to buy a house with good ventilation, convenient transportation and beautiful scenery, but you don't know enough about the real estate in this city. What should you do? You will consider looking for a professional intermediary.
Is the loan intermediary company reliable?
1, because the bank's audit is strict, if you make a mistake in some details, you won't get the loan, and only the intermediary company will guarantee you. Furthermore, intermediary companies are familiar with the loan business of each bank and can provide you with more suitable loan business, otherwise you have to ask one bank after another. Finally, some loan business procedures are complicated, banks will not do it, and they will do it directly to intermediary companies.
2. Loan intermediaries will basically master various local loan channels and be familiar with the products and requirements of various lending institutions. Therefore, they will find a suitable channel to apply according to the actual situation of the borrower, so that the probability of passing the loan can be greatly improved.
3. Many loan customers know little about loan types, loan interest, loan requirements and so on. A survey of users of a platform shows that about 65% of users don't know what the current benchmark loan interest rate is. Before the loan, about 48% users knew nothing about their credit records, accounting for almost half of the country.
If you don't know the loan market, apply for a loan from a lending institution. If it doesn't match, the result is either rejected or the loan amount is very low. On the contrary, loan intermediaries have a more professional understanding of the loan market, so they can provide valuable advice to borrowers and find suitable loan products for borrowers.
4. Loans can't be applied immediately if you want to apply, especially bank loans, and the requirements for the borrower's review are very strict, including the purpose of the loan, application filling, and material preparation. If the borrower does not understand the auditing standards and conditions of the lending institution, and honestly fills in the application and submits the materials, it may not pass. Loans also need to master certain skills. As far as the use of loans is concerned, ordinary banks have strict restrictions on the use of loans, and once they do not meet the requirements of banks, they will be refused loans.
5. If you are not familiar with the loan process and apply for it yourself, you will find all kinds of troubles, such as the inconsistent materials, which need to be submitted repeatedly, and it takes a lot of time and energy to run back and forth. If there is a loan intermediary, the situation may be greatly improved.
Of course, looking for a loan intermediary also needs to pay attention to these three points:
1, pay attention to find a reliable intermediary company, run more, and don't be afraid of trouble.
2. See if his formalities are complete and his documents are complete.
3. Don't be greedy for low agency fees and believe that they can apply for loans with lower interest rates.
Are lending institutions reliable?
The loan intermediary company itself does not engage in lending business, but only provides services for borrowers' loans and helps borrowers obtain loans from formal lending institutions. In daily life, we often engage in loan intermediary companies such as pawn shops, real estate agents, guarantee companies, investment (consulting) companies.
Although loan intermediaries are not qualified to lend, some loan intermediaries will still issue short-term loans, which is called private lending. This kind of loan usually needs collateral, but the borrower's other qualifications are low, which is characterized by fast lending. But the loan interest is usually high, so the borrower must choose carefully.
In fact, loan intermediaries are very common in the market, but different from the private sector, these companies earn a lot of intermediate fees by helping banks "attract customers" and making loan plans for customers. Due to the increasingly fierce competition between banks for customers, some banks take various measures to seize more market share, among which finding intermediary companies to "attract customers" is one of the means for banks.
In addition, loan intermediaries can also help enterprises "get" loan qualifications. There are two main types of customers through loan intermediaries. The first is a company that thinks that bank procedures are troublesome or have no time. The second is a company that knows that its credit conditions are not qualified for loans and wants to spend more money to operate illegally through loan intermediaries.
Is the intermediary loan reliable?
Therefore, it is more reliable to find financial intermediaries to handle financing business. The significance of the existence of financial intermediary companies is that they can accurately match the products that meet the bank for you in the first time, but you need to pay the corresponding financing service fee.
After finding the counterpart product, the lending institution will remind the borrower to pay attention to all aspects of the details in the examination and approval, and will tell you the precautions and experience without reservation. Generally, banks are strict in approving borrowers, such as the purpose of loans. If it does not meet the requirements of the bank, it is likely to directly refuse the loan, and the bank account manager often cannot remind the customer because of the regulations. We should know that every customer's time is very precious, instead of spending unlimited energy on preparing materials, filling out forms and other uncertain results. It is best to find a reliable professional loan company. They know very well what information you need to prepare and what conditions you need to meet, so as to avoid the embarrassment and obstacles of understanding when consulting, greatly reduce the time for you to supplement materials and queue up for processing, greatly improve your loan efficiency and solve the funding problem as soon as possible.
Loan intermediaries mainly provide loan consulting services for small and micro enterprises and individuals. Most of the staff of loan intermediaries have financial work experience, understand the loan process of various banks, and have their own fixed contacts in these financial institutions, so the borrower's loan success rate can be improved to a certain extent.
Loan intermediaries will not provide loans to small and micro enterprises and individuals, but because these borrowers do not understand loan knowledge, they need the help of loan intermediaries to apply for loans in banks as soon as possible. Loan intermediaries provide services for these users, so they will charge a certain loan service fee. Most ordinary people don't know about bank loans, and borrowers in the region don't have time to understand them one by one. With loan intermediaries, they can help borrowers find suitable loan products quickly and save a lot of loan interest. Looking for a loan intermediary, the borrower can easily get a loan from the bank by paying the intermediary service fee.
The borrower finds a reliable loan intermediary, which can quickly analyze the borrower's own disadvantages with its own experience and professional knowledge, avoid the borrower's own disadvantages as much as possible, and recommend appropriate loan products. During the period of serving customers, loan intermediaries will also introduce the loan policies of various banks to customers in time and recommend some loan products with lower interest rates to avoid problems when customers apply for loans.
This is the end of the introduction about whether the intermediary company loan is reliable and whether the intermediary loan company is illegal. I wonder if you found the information you need from it?