Loan intermediary is also an important occupation, because many borrowers don't know much about products and loans, and need an intermediary to introduce and facilitate transactions, similar to real estate agents. Loan intermediary refers to cooperation with banks, and the intermediary can help you find the most suitable product in the fastest time and charge a certain fee to the lender's intermediary. As a unified interface of banks, loan intermediaries exist and become a steering interface that can connect different customers. More like an intermediary that flows into the borrower's market, it generally serves some small and micro enterprise customers and individuals. These intermediaries will undertake loan services from banks and be responsible for customer marketing, data collection and simple evaluation, which will greatly save effort.
Then some people may ask, why do banks need an intermediary when they can lend directly? That's because bank loans are not approved by who lends them. Generally speaking, bank loans are consumer loans for large customers, mainly serving civil servants, institutions, employees of Fortune 500 companies or individuals with relatively strong assets. If you are an ordinary office worker, you don't have a certain financial strength or the chances of working are very small, I will help you finish this task this time. Individuals or small and micro enterprises handle loans, so the existence of loan intermediaries is inevitable.
Finding an intermediary loan has the following advantages:
1. You can choose more loan channels:
Intermediary nature deals with banks and financial institutions all the year round. People naturally know the policy of free payment, application threshold, interest rate and so on, so it is easier to get loans that meet their own conditions.
2. Improve the loan success rate
Many lenders blindly apply for loans, or they will be rejected but find an intermediary, which is equivalent to one-stop service.
3. Improve loan efficiency:
The loan intermediary is proficient in the handling process. They can guide lenders to foster strengths and avoid weaknesses and inform them of the repayment ability required for loans. This will help improve the success rate of loans.
But loan intermediaries also have shortcomings:
1. There are many informal or unidentified shell companies.
2. Many loan companies charge fees for loan business, which leads borrowers to charge huge service fees without knowing it.
Therefore, I hope that everyone will be cautious in lending, although the intermediary saves trouble, effort and worry.
Second, what is a loan?
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
3. What does a loan mean?
Generally speaking, a loan means borrowing money, but it is not a natural person but a commercial institution, such as a bank.