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, which have strict requirements for the borrower's review, including loan purposes, application filling, material preparation, etc. 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.
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.
What is a loan intermediary company?
The loan platform is easier to pass: borrowing, 360 borrowing, enough money, and good loans are easier to apply for through user loans. However, whether the loan platform finally passes your loan demand depends on your current personal qualifications. The higher the personal qualification (for example, the higher the educational background, the more stable the work income, the better the credit record and the less the debt), the easier it is for the loan platform to pass.
The conditions for easily applying for a loan are as follows:
1, at least 20 years old: in the case of only ID cards, the amount is generally 5000-50000.
2. If you are over 20 years old, you must have at least one credit card, and the credit limit is generally 1- 15W. The longer the credit card is used, the greater the credit line and the lower the debt, and the greater the credit line given by the platform.
3. At least 20 years old: there is a mortgaged house with a repayment period of more than 6 months, and the amount is generally 10-20W. The longer the mortgage repayment time, the greater the monthly payment and the greater the approval amount.
Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.
Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
Spend a little money-pay special attention if you have money:
1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.
2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer.
After the third installment, you can choose to settle in advance, as long as it takes a long time, and it doesn't cost us anything to pay interest. Make sure to mention it first.
My second application was 360 IOUs. After all, they are all big platforms, so I applied first. The amount is 5.5W, and the interest is almost the same as the money spent.
360 IOUs, with a maximum loan of 200,000!
Click online measurement
There is also a trick to applying for 360. After simply filling in the information at first, the amount that comes out is only a basic amount, such as 5000, 1W5, etc. If you feel that the amount is not enough, you can apply for a privileged loan directly without withdrawing cash. This is a lot of money. As long as you have the basic quota, the privileged loan will definitely pass, and the quota will be greatly increased. The privileged loan supports 24 periods. My basic quota is 9000 yuan, which is 5.5W after upgrading the privileged loan.
"Borrowing" is a credit loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.
2065438+20081October 9, 65438+2065438, or due to excessive leverage ratio, in violation of the relevant regulatory provisions of the central bank, actively closed some user accounts and controlled the loan balance.
2021165438+1October 8th news, it is reported that the name of Alipay's "loan" has been changed to "credit loan". In this regard, Alipay customer service responded that in order to facilitate you to know more about the actual consumer credit service providers, the consumer credit service provided by financial institutions cooperating with Ant Financial has been updated to "credit loan", and the credit loan page shows the name of the financial institution. After this adjustment, the original services such as borrowing, auditing and repayment will not be affected.
What kind of existence is a loan intermediary company?
Match the corresponding loan products according to consumers' own qualifications and loan demand. Take the initiative to call consumers and help them with loans after obtaining their consent. After the loan is successful, a certain percentage of service fees will be charged to consumers.
Now with the rise of online lending, most borrowers can apply for loans directly through their mobile phones. We don't know much about intermediaries. In fact, loan intermediary is also an important profession, because many borrowers don't know much about products and loans, and need an intermediary to introduce and facilitate transactions. In this process, they may have to charge some service fees, similar to real estate agents.
Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises stipulates that the state encourages all kinds of social intermediary agencies to provide small and medium-sized enterprises with services such as entrepreneurship assistance, enterprise diagnosis, information consultation, market consultation, investment and financing, loan guarantee, property right transaction, technical support, talent introduction, talent training, foreign cooperation, exhibition and legal consultation.
Therefore, as long as the loan intermediary does not engage in illegal loan fraud and the service fee does not exceed the standard, then the law is allowed. Some borrowers consult loan procedures and processes in lending institutions, and customer service personnel require a 4% service fee. In fact, there are credit managers in the bank who specialize in loans, and there are also expenses for facilitating transactions, which are only included in the loan cost.
Formal and reliable loan intermediaries can help borrowers a lot. The biggest advantage lies in strong connections and rich experience. It can help borrowers analyze their own strengths and weaknesses, introduce suitable products, and inform you of the latest information of various lending institutions, such as which bank has recently tightened lending, which loan products have stopped lending, and which loan interest is the lowest.
When we apply for a bank loan, often a little problem may lead to loan failure. A good intermediary can help you avoid these problems as much as possible. In short, if you find a good loan intermediary, you can save a lot of things and avoid detours, so it is appropriate to pay a certain service fee, but you must remember to find a formal and legal institution, otherwise you will easily fall into the trap of a liar.
Is it reliable to find an intermediary company for loans?
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.
How to judge whether the loan intermediary is formal;
1. See if the loan intermediary will charge fees in advance.
Generally speaking, the loan intermediary charges the agency fee only after the loan is completed. If the borrower is required to transfer money in advance on the grounds of "deposit" and "unfreezing fee" before the loan, this kind of intermediary is generally problematic and should be rejected immediately and stop loss in time.
2. See if the loan intermediary has a fixed office space.
Generally, regular loan intermediaries have their own fixed office space. Before choosing a loan intermediary, you can investigate the loan company to understand the basic situation of the company, such as business information and business scope.
3. See if the employer contacted by the loan intermediary is formal.
The investors of formal loan intermediaries are generally formal banks or financial institutions with lending qualifications approved by the CBRC. Unless the customer's qualification does not meet the normal funding requirements, other lending channels will be selected with the customer's consent.
4. See if the loan intermediary is professional.
Formal loan intermediaries are professional, and they are very clear about all products, product interest, repayment cycle, quota, handling process, intermediate risk point, entrusted payment, deadline and next payment cycle.
With the continuous development of the loan market in recent years, the supervision has become more and more perfect, the information has become more and more transparent, and loan intermediaries have been accepted by more and more people to help them better match their loan products.