There have been more and more small loan platforms in the past two years. These loans do not need mortgage, and they do not need face-to-face examination. They just need to submit information online. If it is approved, it will soon be loaned to a bank card or Alipay.
Ordinary people, especially those who borrow for the first time, don't know which lending institutions are available in the market and which one is most suitable for them. Most people apply to one or two lending institutions only after seeing the advertisements of lending institutions or the introduction of acquaintances. Sometimes I ran to one or two lending institutions and was rejected. I thought the loans were all the same. This family can't lend, which means there is no way to lend elsewhere. Later, I gave up or switched to other usury companies.
In fact, there are many lending institutions on the market, and each application threshold is different. This one doesn't meet the requirements, and maybe one will pass the application smoothly. But with so many lending institutions in the market, it is impossible for borrowers to apply one by one, and it is unrealistic to try and make mistakes.
At this time, it is different to find a loan intermediary. The loan intermediary is quite familiar with the local lending institutions and has mastered many loan channels, which greatly improves the borrower's choice space, selects the best among the best, and matches the most suitable lending institutions for the borrower.
However, some people may have some contradictions when they talk about loan intermediaries. After all, there are more than one or two people who have been cheated by the intermediary. Many people in loan intermediary companies think it is unnecessary. It is generally believed that whether you can get a loan depends entirely on your own conditions, and there is no need to find an intermediary. But think about it, in fact, you may really need a loan agent to get the money now.
In fact, these are unfathomable "routines" of loan intermediaries. If you are not careful, you will fall into the pit dug for you by the intermediary, and you may be cheated at any time, because there are many "black intermediaries" hidden in some loan intermediaries!
Is the loan intermediary reliable?
Loan intermediary companies, which are not engaged in lending business, provide consulting services for borrowers and help borrowers obtain loans from formal lending institutions.
Similarly, due to the uneven service quality of loan intermediary companies, black-hearted intermediaries are mixed in the formal loan intermediary team, which leads to a lot of negative news in the whole loan intermediary industry. But that's just an example, and we can't think that a loan intermediary company is a black-hearted intermediary.
In short, the existence of loan intermediary companies must be reasonable, otherwise it would not be possible to develop so strongly and there would be so many loan intermediary companies, but we should also be wary of some lawless elements defrauding money in the name of intermediaries.
According to news reports, a man in Beijing bought forged parents' death certificates, fake household registration books, fake ID cards and other materials from a lending institution, issued an inheritance certificate, transferred the house to his own name and mortgaged the house. This man not only asked his elderly parents to be No Country for Old Men, but also paid a high service fee for it. "At the beginning, it said that it would cost 300,000 yuan, and finally it rose to 1.9 million." This man happened to meet a "black intermediary"!
? Black intermediary loans are not worth the loss!
Because of the existence of black intermediaries, many lending institutions have strict control over the audit of loan information from intermediary channels. Financial risk control experts in the industry said that it is often more difficult for borrowers to obtain loans through black intermediary loans, and even if they get loans, they have to pay more than formal channel loans; Lenders who come through intermediary channels can be identified through the risk control system. Lenders often have a misunderstanding that it is easier to pass the trial through intermediary loans, but in fact the result is just the opposite.
Borrowers can borrow money through formal channels, but they must go through intermediary channels, especially black intermediaries, which are often not worth the candle.
How to judge whether it is a black intermediary, the risk control experts give two measures:
1, the agency fee is high, and many agency fees are as high as10%;
2. In order to get the loan, deliberately beautify the lender's information, and even forge the loan.
Nowadays, there are many advertisements of loan intermediaries on the Internet, and there are also many such advertisements on telephone poles in the streets and alleys of life. "Loans with ID cards are unsecured and unsecured", and there are countless false advertisements that can be loaned without any information.
Usually, the characteristics of black intermediary loan fraud are that several gangs rent a beautiful office (low grade: relying solely on online advertisements and street posters), and then start to promote "zero down payment" car purchase and high interest-free loans, attracting a large number of customers to consult with ultra-high discounts and excessive financing in a short time.
So, finally, I would like to advise all those who want to borrow money: improve their risk awareness and let the black intermediary have no way out.