There are many differences between getting a loan from an intermediary and going to the bank by yourself. Efficiency, professional service, matching products, avoiding risks, communication skills, etc. Of course, the most important thing is that the intermediary will charge a service fee.
In fact, I don't agree with this statement, because there are indeed many customers with better qualifications. In fact, they go to the bank themselves and the result is the same.
But most of the people looking for intermediary loans are slightly flawed customers! For example; Bad credit, heavy debts, no assets, and the spouse can't know. If you go to the bank by yourself according to the normal process, you will definitely be rejected.
At this time, intermediaries are needed to play a role (you know, many bank salesmen have reached cooperation with intermediaries in private, and once a president told me that credit business is also an intermediary, and it is impossible to promote new products without intermediaries, but the overdue rate is uncontrollable).
Moreover: the bank threshold is high. If you follow the normal process, some loan officers don't care at all, unless you are particularly qualified. Because he doesn't lend you money, it won't hurt him, but the extra income from doing intermediary orders is very considerable.
In addition, from the aspect of overdue, the door-to-door customer belongs to the salesman himself. If it is overdue, it will take energy. However, the intermediary's customers are well controlled. Once overdue, the intermediary will assist in the collection (no intermediary wants to cut off its own channels).
Generally speaking, the qualification of finding an intermediary loan is average, but no matter how bad the customer is, it is the god of wealth in the eyes of the intermediary. In other words, the worse the qualifications, the more money you earn. Because no qualified customers are willing to pay high agency fees.
But the agency fee is not free, and the agency will really spare no effort to help you get it. After all, it's all money
First of all, the intermediary will match the next payment from the corresponding bank according to your actual qualifications (you can't break your leg on your own), and then prepare the corresponding materials, sort them out and submit them to the bank for quick approval through relationships. Moreover, when I go to the bank for a face-to-face interview, I will be asked a lot fewer questions, which is basically a formality.
Some people think: Isn't the intermediary just taking me to the bank? Mainly relying on my own qualifications, it is not cost-effective for them to collect the appearance fee.
In fact, the so-called industry has specialization. You think it's simple because he told you the process, so just follow it. If not, they will take many detours and may not be able to pay the final payment.
Generally speaking, it is no problem to apply for a loan at the bank!
But, first of all, you have to ask whether the major banks can handle it according to your qualifications. Secondly, go back and prepare the materials according to the requirements of the loan officer.
ID card, tap water, credit information, work certificate, social security, provident fund, real estate license, marriage certificate, household registration book and so on. Then submit it for approval. During any formalities, you must pay in time, and you must make an appointment in many cases!
After time and energy are exhausted, you can go back and wait for the approval call. Any mistake in the middle may lead to the failure of the loan. Of course, it's free for the bank.
Finding an intermediary loan is convenient and quick, helping you match the most suitable products and reminding you of the main points and methods. The success rate of the next payment is very high, but the loan service fee needs to be paid.
Going to the bank by yourself is time-consuming and laborious, and the effect is slow. It is difficult to pay fees without good qualifications, and there is no charge.
Dear old irons, code words are not easy. If conditions permit, can you pay attention to a red heart support? I'm not tired anyway, haha.
Well, that's all my answer to this question! If you have different opinions, please leave a message in the comment area for discussion!
Loan intermediaries actually earn money by information asymmetry.
Many people have a misunderstanding that loans are a relatively high-threshold business, and they always feel that acquaintances can make the impossible possible and pay a certain price for it. In fact, the banking system has been running for so many years, and it has a mature operating system, and the risk control standards are basically fixed. Human factors have an impact, but they are also limited. Therefore, for many businesses that can be approved, people who don't know can also approve; A business that can be approved or not, if there is some artificial influence, becomes approved; An unapproved business, no matter how many people you know, can't change the actual situation of unapproved business, unless the system is faked, packaged into unapproved business, and then artificially influenced to become unapproved business.
Therefore, the so-called intermediary, in this process, only needs to make efforts, and the communication ability and even the so-called ability to dredge the relationship will become possible, not through packaging.
Therefore, for those high-quality customers, there is actually no need to find an intermediary; For those customers who are not very good or even have poor qualifications, they should find an intermediary. However, these customers should actually carefully examine their abilities before lending money. Lending is a double-edged sword. Originally, you were only on the ground floor, but after lending out, you may fall into the basement and even lose the ability to get up.
So, what do we need to do to apply for a loan?
People are self-aware, but now many people actually don't know themselves thoroughly. I should calm down and think about it before I take out a loan. Do I need this loan? Can this investment really bring me benefits? If the investment fails, do I really have the ability to repay the loan? Is it possible for this loan to bring crisis to yourself and your loved ones? After considering this series of problems clearly, proceed to the next step.
How much do I need at least for this loan? Will more loans help the later development? What is the loan amount I can afford? What mortgage guarantee measures can I provide? How long is it? After understanding this series of questions, you will basically have a clear and acceptable plan, such as loan amount, term, guarantee method and so on.
At present, there are many products of banks, but in fact, the homogenization competition is fierce. Most products of the same type just change their names, with different interest rates and different maturities. You can learn about the loan products through the online banking of various banks first, then choose the products that suit you, then go to the outlets of these banks to consult the relevant account managers, and then go through the examination and approval if appropriate. Note, apply for more banks, because the approval is uncertain, even if all of them are approved, you can choose the loan with the best conditions.
The above situation is aimed at those high-quality customers, who can apply for loans by themselves without looking for an intermediary. Isn't it sweet to save the agency fee for those points? All you have to pay is a little more time to look at the website and visit several banks, so tens of thousands of dollars will be saved.
If you are a non-quality customer, and you still feel the need for a loan after the previous evaluation, then I suggest you take the intermediary channel. Although you have paid a certain cost, the intermediary can help you complete the loan by virtue of its own professionalism and good relationship with the bank, which can greatly save worry and effort. This agency fee has bought valuable services, but it can't be saved.
As for what is a quality customer, we can refer to some standards of bank loans. Generally speaking, customers with stable jobs, good income, good credit, certain assets and controllable liabilities are. The civil servant loan promoted in previous years means that civil servants are quality customers; In recent years, due to fierce competition, the risk control standards have been lowered, and at that time, the above dimensions and standards could not escape.
I hope my answer is helpful to you.
Hello everyone! I am a "borrowing skill". As a bank employee and the author of "Teaching you how to easily master personal bank loans", I focus on answering financial questions such as deposits, loans, real estate and wealth management.
Whether to go to the bank or find an intermediary depends on whether the borrower is familiar with bank loans. If you are familiar with it, you can handle it yourself; If you are not familiar with it, you'd better spend money to find an intermediary.
Before analyzing the problem, let's look at a specific case:
On June 5438+ 10 last year, Mr. Zheng was anxious to raise some money. He applied for a loan from the bank in a hurry. However, he ran to two banks and was rejected. He was anxious to ask his friend if there was any way to solve the loan problem.
Mr. Zheng's friend said that if you are not familiar with the "road" of bank loans, you will naturally hit a wall everywhere. He suggested that Mr. Zheng spend 3000 yuan to ask a loan intermediary company to help him operate. This move really worked. In less than a month, Mr. Zheng got a bank loan of 400 thousand, which solved the urgent need.
Why did Mr. Zheng fail to apply for a loan himself, but the intermediary was able to apply for a loan successfully and quickly? The reasons are as follows:
It is skillful to apply for a bank loan. If you master the skills, it will be much smoother to apply for a bank loan. Therefore, many people refer to applying for bank loans as "technical work". As a professional organization, loan intermediary companies are familiar with the doorways of bank loans and know how to solve problems when they encounter them.
Banks will launch different types of loans at different times. If we can fully grasp the loan varieties of various banks in time, we can make the loan application "sit in the right place", then it will be much more convenient to apply for loans.
The loan interest rates of different banks are different. Borrowers don't know whether they can apply for the best loan interest rate without fully understanding the bank loan information. As an institution specializing in loans, the loan intermediary company knows the bank loan market like the back of its hand, and can choose the most favorable loan from a variety of loan varieties, so that borrowers can save interest.
If you are eager to get bank funds and are unfamiliar with bank loans, you'd better find an intermediary company. Because the intermediary company is familiar with the bank staff, it will let the bank manager give priority to your loan.
There is an intermediary fee for applying for a loan through an intermediary. When the borrower decides whether to find an intermediary to handle the loan, he should understand this and discuss the price details with the intermediary in advance.
On one occasion, Mr. Wang asked the intermediary to handle the bank loan on his behalf. In the process of handling the loan, the intermediary said that in order to let the bank manager handle Mr. Wang's loan more quickly, the bank manager should be invited to dinner.
Mr. Wang thought that this meal fee was included in the agency fee. Later, when the intermediary fee was settled, the intermediary company charged Mr. Wang the meal fee. Mr. Wang refused to pay, and then both sides were very unhappy.
In addition, when choosing a loan intermediary, it is best to find a large well-known loan intermediary company to avoid being cheated!
There is little difference between looking for an intermediary and going to the bank for a loan yourself. What are the internal channels and special methods advocated by the intermediary for you, and so on. It's all a self-promotion, self-promotion rhetoric. What qualifications do banks need to see, such as credit information, assets, income and repayment ability? Wait, these things. If your conditions can't meet the requirements of bank access, it's no use looking for an intermediary! And most importantly, the intermediary will charge you a handling fee of a few percent of the loan amount. In fact, they just help the bank to review in advance. If you meet the requirements, then they will push you to the bank. If your qualifications are slightly worse, they will push you to a small loan company and even make online loans for you. To put it bluntly, the intermediary just knows more about the access conditions and policies of different banks than you do! There will be no so-called internal channels and special measures.
This question is actually very simple.
Intermediaries deal with banks every day.
There are many channels in hand to know the loan products of various banks, know what qualifications can be used to make loan products, and what products this customer can make are most suitable for this customer (the loan amount is met and the interest is the lowest). This is the advantage of intermediary.
But the intermediary charges a service fee.
Individuals usually look for the counter when they go to the bank. Even if you find the loan department of a bank, you can only get the loan products of this bank. Whether it suits you or not. No one knows this.
The difference between a bank and an intermediary,
First, the products introduced by intermediaries are mostly small loans and institutional loans, which are of great benefit to them.
Second, the general intermediary of banking products is unwilling to do anything except mortgage loans.
Third, they know the vast market and can give you a solution according to the amount you want to borrow. But there is no guarantee that it will be completely done.
It must be the intermediary who mainly brings you money, and he has to charge a handling fee.
Go to the bank for a loan yourself
First, the mortgage bank will give priority.
Followed by policy loans.
Finally, your qualifications are very good, and the bank will recommend their products that suit you.
The bank loan focuses on exchanging chips. Can he get it back if you let it out? The advantage is that there is no service charge and the interest is relatively low.
If you start your own company, it is recommended to walk on two legs and contact the intermediary, but you should hold back and don't do it with them first. Just sit down and communicate with the bank to apply. If you can't do it, you can let the intermediary do it again!
First of all, it depends on the customer's own situation. If you don't want to spend time and energy to consult the bank, the loan cost will be higher than that of the bank. Because the profit of loan intermediary companies either comes from the information asymmetry between banks and users to earn commission fees, or the intermediary develops loan products similar to banks, and the interest is higher. At this time, the intermediary is not completely an intermediary, but more like a financial institution. However, the customer's handling process is simple and convenient, the service is better than that of the bank, and the time and energy cost of the customer is low.
Secondly, if customers are willing to spend time and energy to consult the bank, the bank can provide loans to qualified customers without charging any fees and enjoy lower loan interest rates and rates. Personally, I suggest that customers who have time and energy go to the bank to handle it. Of course, customers who don't meet the bank access conditions should simply find an intermediary instead of running away, and the industry has a specialization!
Looking for a bank by yourself will generally not be accepted, and even if the information you provide is accepted, you can't take a vacation. The process is cumbersome and it is not smooth to run many times.
Intermediaries can help pack, guarantee, save trouble and relax themselves, but they have to pay for themselves. If Xiao Bai finds an unreliable intermediary, he may be miserable.
Xiao Bai's suggestion: Ask several agents more, and then talk about the cost if you think it is possible. Since you are a rich God, you should spend this money if you want to enjoy God's due service. After all, time is money.
1. Many channels
The loan intermediaries basically know all kinds of local loan channels and are familiar with the products and requirements of various lending institutions, so they will find suitable channels to apply according to the actual situation of borrowers, so that the probability of loan passing can be greatly improved.
Understand the market
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.
3. Will guide
Loans can't be applied immediately if you want to apply, especially bank loans. The requirements for the borrower's audit are very strict, including the purpose of the loan, application filling, material preparation and so on. If the borrower does not understand the auditing standards and access 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. In terms of the use of loans, general banks have strict restrictions on the use of loans. If the borrower fills in according to the actual use, once it does not meet the requirements of the bank, it will be refused a loan.
4. High efficiency
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, the need to submit it many times, 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. First of all, the loan intermediary knows the materials needed for the loan and the handling process, so the borrower will prepare and submit the materials at one time to avoid running back and forth to supplement the materials; Thirdly, the relationship between loan intermediaries and banks and other lending institutions is relatively in place, which can urge banks and other lending institutions to give priority to your loans, greatly improving the efficiency of loans.
Second, for lenders,
1, loan amount
Go to the loan yourself: the amount is low.
There is intermediary help: the amount is higher.
Some customers think that the amount given by the bank is actually similar, and the amount of customers with the same conditions should be the same. In fact, some customers have the same conditions, but the loan amount is very large. Why is the gap so big?
The reason is that the person who went to borrow money himself found a state-owned bank and then did it, while the person who found an intermediary compared a number of banks according to his own conditions, and finally chose a joint-stock bank that was most suitable for customers, with a result of more than 500 thousand.
This is the advantage of intermediary: mastering more channel resources can make the best choice.
2. Loan interest
Get a loan yourself: the interest is higher.
With the help of an intermediary: low interest.
Is there any difference in loan interest? Isn't the bank's interest uniform? Some friends may have such questions when they get a loan for the first time. In fact, the benchmark interest rate of banks is set by the state, but it is very practical.
Why choose an intermediary company instead of looking for a bank directly?
First of all, I want to say that the existence of loan intermediaries must have its rationality. There are a large number of loan intermediaries in the market, which shows that many people have demand for loan intermediaries.
There are more loan intermediary channels.
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 after being introduced by acquaintances. Sometimes, after running away from one or two banks, I feel that all banks are the same, and this bank can't lend, which means that other banks can't lend either, and then give up loans or switch to other private lending companies.
At this time, the result of having a loan intermediary is different. 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.
Loan intermediaries know more about the loan market.
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.
The loan intermediary can guide you to apply correctly.
Loans can't be applied immediately if you want to apply, especially bank loans. The requirements for the borrower's audit are very strict, including the purpose of the loan, application filling, material preparation and so on. If the borrower fails to meet the auditing standards and conditions of the lending institution, and honestly fills in the application and submits materials, it may not pass.
To tell the truth, loans also need to master certain skills. Take the purpose of the loan as an example. General banks have strict restrictions on the use of loans. If the borrower fills in according to the actual use, once it does not meet the requirements of the bank, it will be refused a loan. Sometimes, although bank account managers also hope that customers can get loans, they dare not remind customers of violations.
But having a reliable loan intermediary is completely different. People in loan intermediaries and lending institutions are familiar with the various requirements and processes of loans, so they will guide customers to apply correctly, what to say, what not to say, and what materials to prepare. They will communicate with customers in advance and try to make their conditions meet the requirements of lending institutions.
Loan intermediaries can improve loan efficiency.
If the borrower is not familiar with the loan process and applies for it himself, you will find all kinds of troubles. For example, if the materials do not meet the requirements, it will take a lot of time and energy to go back and forth. Also, if you are not a big customer, banks and other lending institutions may delay your loan and keep you waiting. These troubles can only be felt by those who have applied in person.
If there is a reliable loan intermediary, the situation may be greatly improved.
First of all, the loan intermediary knows the materials needed for the loan and the handling process, so the borrower will prepare and submit the materials at one time to avoid running back and forth to supplement the materials; Thirdly, the relationship between loan intermediaries and banks and other lending institutions is relatively in place, which can urge banks and other lending institutions to give priority to your loans, greatly improving the efficiency of loans.
What are the advantages of bank loans to find loan intermediaries?
Hello, loan intermediaries are organizations and individuals that provide you with loan services. They will choose the right loan channel according to your qualifications and charge a certain fee. However, there are many ways to apply for a loan. You can apply for a loan from the bank by mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.
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I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.
1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application.
Information requirements: You need to provide your second-generation ID card and your debit card during the application process.
Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.
What is the use of a loan intermediary?
In fact, loan agents are like real estate agents. You can still buy a house without looking for a real estate agent, but because you are unfamiliar with the market, the final result may be to pay more time and energy, or even higher housing costs. Loan intermediaries can be accepted by lenders because their role cannot be underestimated. Coupled with the increasingly fierce competition for customers between banks, intermediaries can introduce customers to banks in batches, reducing the workload of bank credit personnel, so banks are more willing to deal with stable lending institutions.
The loan intermediary has the following advantages:
1, loan intermediaries have more loan channels.
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, so I gave up or changed to another company.
In fact, there are many lending institutions on the market, including banks, and each application threshold is different. This one doesn't meet the requirements, and maybe one will 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.
On the contrary, 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.
2. Loan intermediaries know the loan market better.
Many customers' understanding of loans basically stays on the word "loan". I don't know that the products of major banks are varied. Although many loan products are now homogenized seriously, in fact, the policies, requirements and target groups of each lending institution are very different. The term, amount, interest rate and even approval rate of the same product may be different if it is changed to a lending institution or even different branches of the same bank.
If the borrower does not understand the market conditions and blindly applies, he may take more detours or pay more costs, and the loan success rate will be much lower. On the contrary, loan intermediaries have a more professional understanding of the loan market. They have cooperated with major lending institutions for a long time and basically have their own "databases". What conditions each lending institution needs, how much it can lend, how much it passes, and how much it costs, the loan intermediary basically knows everything. As long as you know the information of the borrower, you can quickly match the appropriate loan products, helping the borrower to worry, save trouble and save money.
3, familiar with the approval process, the application has a knack.
Loans can't be applied immediately if you want to apply, especially bank loans. The requirements for the borrower's audit are very strict, including the purpose of the loan, application filling, material preparation and so on. If the borrower does not understand the auditing standards and access conditions of the lending institution and honestly fills in the application, the submitted materials may not pass.
The bank staff will not directly tell you whether the information filled in is wrong or not, and whether it will affect the approval. However, the loan intermediary is proficient in the loan handling process and will tell you the matters needing attention and experience without reservation. We can properly package our customers. Even if the borrower has a problem, as long as it is not serious, the loan intermediary will try to make the borrower's conditions meet the requirements of the bank. Moreover, you can use your personal connections in the bank to play some edge balls, so that borrowers can get loans smoothly.
4. Loan intermediaries can improve loan efficiency.
If the borrower is not familiar with the loan process and applies for it by himself, you will find all kinds of troubles, such as inconsistent materials, and it will take a lot of time and energy to go back and forth.
If there is a loan intermediary, the situation may be greatly improved. First of all, the loan intermediary knows the materials needed for the loan and the handling process, so the borrower will prepare and submit the materials at one time to avoid running back and forth to supplement the materials; Thirdly, the relationship between loan intermediaries and banks and other lending institutions is relatively in place, which can urge banks and other lending institutions to give priority to your loans, greatly improving the efficiency of loans.
Looking for professional people to do professional things, and looking for financial intermediaries to handle loans in the era of resource integration is itself a manifestation of improving efficiency. But especially remind borrowers that they must choose a formal intermediary service organization!
What if the bank can't find an intermediary? These are all advantages!
The loan industry has developed for a long time. Many people apply for loans through various channels, among which bank loans are the most popular. However, because of the high threshold of bank loans and slow payment, many people will be rejected. So what if the bank can't find an intermediary? In fact, loan intermediaries have many advantages. Let's take a look today.
If the application for a bank loan cannot be approved, it may be that the application skills are not in place and no method has been found. It is a good choice to find a loan intermediary.
1, more comprehensive information
There are hundreds of different banking financial institutions in China, and each institution's loan products are different, with different amounts, terms, repayment methods, guarantee methods, payment speed and application conditions. As a borrower, it is impossible to fully understand.
If you go to a bank for a loan, although the credit manager will be arranged to introduce you to the relevant content, it is only for one bank. If you go to an intermediary loan, a good company can screen all the local products that meet the requirements for you, and then match the most suitable one.
2. The application materials are more detailed.
It is troublesome to apply for a loan at the bank, because you have to prepare all kinds of information, such as basic information (ID card, household registration book, marriage certificate, house.