Users who have applied for loans may know that there is a company in the market that specializes in helping unqualified borrowers apply for bank loans. Companies that specialize in helping people with loans generally have some cooperation with banks and have a better understanding of the loan situation. Is it reasonable for a company that specializes in helping people with loans? Why can I get a loan through an intermediary?
Is it reasonable for a company that specializes in helping people with loans?
In fact, such companies that specialize in helping people lend money are collectively referred to as lending institutions, which are mainly divided into licensed institutions and unlicensed institutions. Most of the licensed institutions specialize in assisting users to handle bank loans, and at the same time, they also undertake the loan processing business of some large financial institutions. Unlicensed lending institutions include some companies that have not obtained data on small loans, online small loans and financial leasing.
In addition to helping borrowers to apply for loans, the lending institutions of licensed institutions are also eligible to issue other loans on their own. Non-licensed institutions shall not directly participate in the issuance of loans according to regulations. In addition, there are traditional loan intermediaries, that is, simple third parties, whose business is limited to matching funds and borrowers, and they do not specifically participate in lending and repayment.
In essence, these three lending institutions are reasonable and legal as long as they get licenses. However, when applying for loans, borrowers need to pay attention to the unreasonable service fees charged by some institutions. When seeking the help of lending institutions, borrowers had better be able to "shop around".
Why can I get a loan through an intermediary?
This is because when individuals and intermediaries apply for loans in banks, individuals and intermediaries belong to two types of customers. Individuals are single customers, and intermediaries are essentially big customers, which can help banks collect a lot of resources. Between individual small customers and big customers, of course, the loan pass rate of big customers will be higher.
The above is the sharing of the relevant content of "companies that help people to lend money", and I hope it will help everyone!
Are loan intermediaries or loan companies reliable?
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.
Is the loan company reliable?
Not necessarily. The loan assistance company is actually an intermediary company. Collect service fees by handling customer loans. Loan companies not only cooperate with banks, but also have more other channels. The products in the bank will also be limited to cooperative institutions, so finding professional institutions can solve more problems than individuals, what materials need to be prepared, what matters need to be paid attention to and so on. Moreover, loan assistance companies will recommend products with the lowest interest rate, because there is a handling fee.
But there are many such companies, and there are also many informal companies. For example, charging fees and planning for customers. The loan company must have an actual office address, and the office should be official. A loan assistance company without an office address may be a fake loan assistance company. The loan assistance company may run away at any time, and you can't find it.
Please be sure to sign offline. Whether the customer service answers the phone in time and whether the service is in place. Enterprises with poor strength must also have poor service capabilities. This also reflects the reliability of the company. We all know that loan assistance companies charge fees. It depends on whether the charging process and rate of the loan company are standardized and whether there are loopholes in the contract. Formal loan companies only charge after the loan is successful, and do not charge if it is unsuccessful.
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Repayment method:
(1) Equal principal and interest repayment method: equal monthly repayment of the sum of loan principal and interest. For housing provident fund loans and commercial personal housing loans, most banks have adopted this method. So the monthly repayment amount is the same;
(2) average capital repayment method: The borrower distributes the loan amount to each installment (month) in the whole repayment period, and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
(3) Repaying the principal and interest on a monthly basis, that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and is repaid on a monthly basis;
(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance by applying to the bank. Generally it is an integer multiple of 10000 or 10000. After repayment, the loan bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, subject to the new repayment period. Don't exceed the original loan term.
(5) prepayment of all loans: that is, the borrower applies to the bank to pay off all the loan amount in advance. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.
Is the loan company reliable?
The loan from the loan company is unreliable.
It is best not to touch loan companies, especially online lending platforms, because online lending is harmful, not only the interest is high and the amount is low, but also it is easy to get stuck in online lending, that is, the rhythm of robbing Peter to pay Paul will never end.
It is also because the threshold for online lending is low. You can apply for a quota by filling in the basic information online, and the quota is usually several thousand dollars. How many platforms do I have to apply for to make up 10 thousand? Overdue repayment has also become complicated.
Online loans will also have the same shield data, which will affect your credit. It is easy to get into the blacklist of online loans if you apply more. Many people don't know the harm of online lending, but only know that online lending is fast and convenient, but please remember that behind the speed and convenience, you also need to pay a certain price.
Taking out a loan with an ID card is like a pie in the sky. It's all pits. It's not that easy. This kind of loan is actually similar.
It's all well publicized You can borrow as much as you want with your ID card. If you believe it, it can only show that your loan awareness is too weak.
Is the loan company reliable?
The loan company is reliable. A loan company refers to a banking non-deposit financial institution established in rural areas by domestic commercial banks or rural cooperative banks with the approval of China Banking Regulatory Commission according to relevant laws and regulations, which provides loan services for county farmers, agriculture and rural economic development. The loan company is a limited liability company fully funded by domestic commercial banks or rural cooperative banks.