First, directly choose a lending institution or consult a loan intermediary company first.
The most essential reason lies in three aspects: the success rate of loans, the amount and cost of financing, and the advantages of handling efficiency. First, they are familiar with the market and know the rules. Many customers are not familiar with the rules, standards and policies of bank loan business. They go directly to the bank to consult and apply for loans, and it is easy to see that the materials do not meet the requirements of the bank, or the loan conditions are lacking here and poor there. As far as the use of loans is concerned, banks generally have strict restrictions on the use of loans. A slight deviation does not meet the requirements of the bank, and the bank account manager will not dare to remind the customer of the violation.
Second, at this time, we need a professional "loan intermediary" who is familiar with bank loan rules and policies. First, according to the customer's situation, help customers recommend suitable banking products. Secondly, it will help customers prepare all kinds of materials and supporting documents needed for bank credit in advance, and guide customers to fill out application forms and guide customers to apply correctly. In this process, in order to improve the possibility of loan approval, the intermediary will also help customers avoid risks reasonably, for example, let customers give full play to their qualification advantages, foster strengths and avoid weaknesses, and present the best side to banks. In addition, it is also important to understand some "hidden rules", such as having a deposit in the same bank or buying financial products, and the loan is easier to be approved. Moreover, because intermediaries can form resource integration, they have quantitative advantages for banks and have room for negotiation on some flexible issues. The loan intermediary's grasp of the details and the advantages of resources can greatly improve the comprehensive score of customers in the bank, thus improving the success rate of loans.
Third, match the best loan scheme. Many customers describe their needs as follows: high quota, low interest rate, long-term and fast loans ... There are so many "both necessary and necessary" loans in the world, and many factors in loans are trade-offs, so it is difficult to take care of them. Only by analyzing the customer's situation can we achieve a relatively reasonable balance and plan the loan scheme that best matches the demand. However, general lending institutions will not help customers make comprehensive plans, and bank credit managers will only handle bank loan products for customers according to their performance.
Therefore, we can help customers sort out better solutions and reduce their comprehensive costs through detailed analysis in combination with the actual scenarios and specific requirements of customers' capital needs. For example, the customer Lu Xiao needs short-term capital turnover, and the loan intermediary quickly matches the two products. A bank's products are 6% a year, which can be borrowed and returned; B Bank products are annualized at 4.8% for three years, and the repayment method is equal to the principal and interest. Looking at the superficial interest rate, this kind of product with equal principal and interest is lower, but the loan intermediary will recommend a bank product that is more convenient in capital turnover speed and can be repaid with the loan according to the actual needs of customers.