The intermediary has paid a lot of manpower, financial resources and energy. Think about it, as long as a phone call, you can clearly understand the information you want to borrow, and how much time and money it takes. You don't need to go door to door, and you won't panic because there is no information source. The most important thing is that the intermediary can quickly know what products you can make, instead of blindly applying. This not only saves time, but also avoids too many credit inquiries, resulting in products that could have passed, but were rejected because they did not find a suitable one at first.
2. Screening and verification of products
What loans are most afraid of is information asymmetry. Intermediaries spend a lot of time and energy to collect products, in addition to collecting great achievements, but also to screen and verify products in order to achieve the purpose of survival of the fittest. It is more effective, reliable and safe to keep low interest and multi-coverage products.
Because intermediary companies have the responsibility to investigate and inform all the real situations before helping customers with loans, such as whether the loan type is mortgage loan or credit loan, whether the interest can be accepted by customers, whether the amount and repayment method meet the requirements of users, etc. Let customers clearly choose whether to borrow money, how much they really need to pay back and what they can do.
3. Match the best scheme
There are many banks and financial institutions in the market, but no more than five kinds of personal loan products are sold. If customers come to know it in person, it will not only waste time, but also summarize the advantages of each product in a short time and shop around. There are also some customers who don't know much about loan products and their own conditions and can only make their own requirements. Intermediaries will also match the best solution according to customers' requirements, so as to avoid customers' blind lending and save customers' time, cost and energy.
4. One-on-one professional services
When you decide to get a loan, they will come to you with a phone call and help you solve the problem with the most professional knowledge, no matter when and where.
Don't worry about the loan being cheated, and don't worry about not getting the loan because of poor conditions. There are always more ways than difficulties, and loan intermediaries are very professional. As long as you look at your basic information, you will know which product you are suitable for and can help you understand where you can improve.
5. Multidimensional services
There are so many kinds of loans, and the procedures are different. For customers who need mortgage loans, these complicated steps, such as foreclosure, obtaining real estate license, land and resources bureau evaluation, and handling mortgages, can waste many customers' time to create wealth. Because the intermediary has cooperation with many banks and guarantee institutions, it is very convenient to handle it. What an intermediary can do for you in a month, you may not be able to do it even if you break your leg.
There is still a misunderstanding above. Consumer finance companies are not lending by themselves, but also another kind of intermediary. The difference with the market intermediary lies in the agency right. If they spend enough money to become exclusive agents, consumer finance companies still have intermediary fees, which is called lending fees.
Secondly, if the funds needed by the customer can't be received at one time, then the customer may need the second and third funds, so what should the customer do at this time? How to choose institutions? Directly docking salesmen, they can help customers with the second and third loans, but at this time, the role played by salesmen has become a personal intermediary, so how to find someone once there is a problem? Moreover, the cost of the salesman is not necessarily lower than that of the intermediary, because for the business, one more point is one point. No matter whether the customer can succeed or not, as long as other salesmen say their company can do it, they will take it with them, but they can't do it at all. This situation is also very common in the industry, and the channels of salesmen have never been wider than those of intermediaries. After all, formal intermediaries can even directly connect with financial institutions, and the financial industry changes business very frequently.
Moreover, because of the channel relationship, many customers of intermediary companies may not meet the requirements, or some problems will be rejected. Intermediary companies, through unique channels and relationships, can allow customers to approve funds through internal operation mode, and even the pass rate of bank channels through intermediaries will be higher than that through banks directly, because counters are assembly lines and rules and regulations cannot be changed. However, intermediaries can communicate and adjust on many issues through cooperation mode.
For example, you say that buying a new house is not a comparison type. First of all, the house is there and the developer is there. You only need to bring money to buy a house. If you like it, you can buy it, but if you don't like it, you can also save money by some intermediary channels, such as the house price 13000. If you buy it through an intermediary, plus the intermediary fee, you will save 3000 yuan per square meter.
However, loans are different. Even if the institutions are there, how simple and fast the advertisements are, customers only see superficial things, such as: how to calculate the personal debt ratio of lending institutions? What are the credit terms of the product? What is the number of credit inquiries? How long does it take to check the credit? Is it okay for Hakuho? Can black households do it again? How much income do you need to maintain to get the subsidy? What does your running water need to be a good running water? How many calls do you need to make? Can you make a phone call? What would you ask? Does your work unit conform to the product? Can I get a loan for my account? How much can I borrow from my personal assets? Can you be flexible?
There are too many factors behind this that are related to whether you can successfully get a loan. Every condition and requirement is understood very quickly and clearly by the intermediary. So when communicating with customers, ask in detail. After reading the customer's credit report, you will know whether the customer can be a bank and what kind of interest products. Because the organization will not distribute information about internal access conditions to customers; As long as you cooperate with intermediary companies, as long as you need funds, they can quickly match and solve the funding problem for you.
On the second question.
There is not much difference between a big intermediary and a small intermediary. The channels of intermediary are basically the same. Whether you go to a well-known or unknown small intermediary, the effect is the same. However, the difference lies in scale. Don't say the size of the intermediary is good or bad, say the difference:
Large-scale intermediary venues, labor, advertising, maintenance, communication and telephone charges are very expensive, and the corresponding costs increase. Where does cost recovery come from? Customers, of course. Perhaps the fee is very clear in the official, but the actual attendance is charged a very high agency fee. This situation is also very common, and the relatively small agency fee is higher, because the advertising benefits are not afraid of losing customers, just like many advertisements. It looks tall, but there is nothing brilliant in the actual physical scene. But the visual effect is high, which is not much different from that of a small intermediary.
The low intermediary cost is mainly due to the reduction of manpower, venue and communication costs, and the corresponding cost recovered from customers is lower. Moreover, they are afraid of losing customers, so they often pay more attention to whether customers can get loans. Therefore, we are more responsible to our customers.
No matter what kind of intermediary you choose, the best intermediary is one with transparent rates, transparent products, high efficiency, sincerity, truthfulness, no deception, equal information, no charge inconsistent with the description, serious service to customers, reasonable charges and matching according to customers' own conditions.
Remember to choose an intermediary, not an intermediary who throws customers all over the sky.
Finally, to sum up, customers who know their own situation and know the loan rules will go directly to the corresponding lending institutions, which will bring fast and low-cost results; But for customers who don't know the loan rules, it is more effective to choose an intermediary.
Lenders also need to really know whether their situation is good or not, such as whether their wages are beaten or not. Is your own capital flow effective? What is your credit information? Is your debt really not high?
I hope the above reply will probably solve your problem.
Friendly reminder: don't just communicate by phone or online, you'd better go to the other company for an interview. Avoid false intermediaries to defraud funds. Except that the mortgage may involve preliminary investigation fees, anyone who pays in advance is a liar. Don't trust people who operate remotely.