The steps for an individual to borrow from a bank are as follows: first, issue a personal bank credit report to the local bank, and then submit an application to the bank that needs a loan with the credit report. After submitting the application, if there is no credit problem, the bank will submit the corresponding information. If it is a mortgage loan, a collateral certificate will be provided. If it is a secured loan, the credit report of the guarantor will be provided. If these steps are completed and qualified, then wait for the bank to inform the bank of the interview time. After the interview is successful, it will be reported to the bank for a loan.
How to find a loan intermediary in Baoding
1. 1. Go to the door of the local offline credit information center, where will there be a loan intermediary waiting for customers?
2. Secondly, go to the local financial street, business building, etc. When looking for a loan, you must find someone who opens the door to welcome guests.
Finally, there are many similar advertisements on the websites of 58 cities and other cities.
Where can I find a mortgage agent?
There are four main channels for mortgage loans:
I. Banks
At present, most commercial banks can apply for mortgage loans, but the premise is that the house must meet the mortgage conditions, and the mortgaged property cannot be used for mortgage loans, which needs attention.
Second, the loan company
Although banks can handle housing mortgage loans, not everyone can get what they want. If the repayment ability is not strong or the credit is tainted, even if there is real estate as collateral, it is likely to be rejected by the bank. At this time, you can consider the loan company.
3. Pawnshop
In addition to loan companies, pawn shops have also launched mortgage loans. The loan conditions are looser than those of the loan company, and there are almost no requirements for the borrower's income, work and credit. As long as the property provided by the borrower meets the requirements and the procedures are complete, you can get the loan money.
Four. bonding company
In addition to the above three ways, the guarantee company is also possible, but the borrower needs to pay a certain guarantee fee and apply for a loan through the guarantee company.
I believe many friends don't know which bank or institution to choose when they borrow money. Which one should they choose when making mortgage loans? First distinguish between mortgage banks and non-bank institutions, so that you can make a choice. The difference between mortgage banks and non-bank institutions;
First, the application threshold.
Bank mortgage loans not only consider whether the mortgaged house is liquid, but also have strict requirements on personal qualifications, and only when the funds are safely recovered will they be approved. Therefore, it is difficult for users who have no stable jobs or have a bad reputation to get a bank loan pass.
On the contrary, non-bank financial institutions, as a supplement to banks, make up for the lack of banking services. As long as the mortgage house provided by the bank can be listed and traded, the approval is easy to pass. Based on this, many people who have no stable jobs or personal credit concerns are eager to try when they meet non-bank institutions, just like seeing a savior.
Two. Loan speed
The approval process of non-bank financial institutions is very fast, and it is quite normal to lend money within 3 days after approval. Banks, on the other hand, are rigorous in tone and meticulous in style, and lending within 15-20 working days is their main theme. Therefore, users who are in urgent need of money naturally look to non-bank financial institutions.
Three. amount of loan
In terms of loan amount, the two types of institutions can be described as equal, and the maximum loan amount is 70% of the appraised value of the mortgaged house.
Four. Loan expenses
In the lending market where risks and benefits complement each other, relaxing the application conditions will inevitably mean taking some bad debt risks. In order to balance risks and benefits, high fees naturally become an understandable measure for non-bank financial institutions. On the contrary, in the case of strong risk control, banks naturally dare to throw out lower loan interest rates to attract users.
How do banks contact loan intermediaries?
Loan intermediaries generally have business dealings with banks and generally leave their contact information to banks. When banks need it, they can call the loan agent at any time.
How do unsecured black households contact intermediary loans?
Find a local loan agency.
1. Bank black households can apply for loans from local loan intermediaries.
2. The company will provide some ways to help the applicant obtain certain assets, but the applicant needs to invest a high loan cost.
How to find the intermediary of Xiamen loan company
To the geographical center, of course.
One is to go to the door of the local credit information center. This place will have a loan agent waiting for you all year round. Anyway, if you want a loan, you need to go to the credit bureau. Just print a copy in advance. There are many loan intermediaries waiting for customers in the credit information center.
2. One is the gathering place of loan intermediaries such as local financial street, and some loan companies will open their doors to do business.
3. The other is to search online for loan-related information or knowledge. Now big data will accurately recommend the content you are interested in, such as the content you have searched many times, or a certain type of information has been invested for a long time. The platform you browse will do data analysis and recommend relevant information and advertisements to you. For example, if you browse a lot of loans, the platform will recommend advertisements for loans, and you can apply for loans on the advertising page. A local loan agency or institution will contact you soon. Most of them will not be online apps, but they are local loan intermediaries. But at the same time, you should also be mentally prepared. Because loan intermediaries are mixed, you should carefully screen and choose a relatively reliable company to avoid losses.
4. Pay attention to the self-media of credit, and judge the choice of local loan intermediary through the works of the other party.
There are also many advertisements of loan intermediaries in the same city, which can be used as a reference. 6. If you post the news that you need a loan in a local post bar or forum, many loan agents will contact you.
How to find the introduction of personal loan intermediary? Let's stop here.