Therefore, it is more reliable to find financial intermediaries to handle financing business. The significance of the existence of financial intermediary companies is that they can accurately match the products that meet the bank for you in the first time, but you need to pay the corresponding financing service fee.
After finding the counterpart product, the lending institution will remind the borrower to pay attention to all aspects of the details in the examination and approval, and will tell you the precautions and experience without reservation. Generally, banks are strict in approving borrowers, such as the purpose of loans. If it does not meet the requirements of the bank, it is likely to directly refuse the loan, and the bank account manager often cannot remind the customer because of the regulations. We should know that every customer's time is very precious, instead of spending unlimited energy on preparing materials, filling out forms and other uncertain results. It is best to find a reliable professional loan company. They are very clear about what information you need to prepare and what conditions you need to meet, so as to avoid the embarrassment of hitting a wall everywhere and the obstacles in understanding when consulting, greatly reduce the time for you to supplement materials and queue up for processing, greatly improve your loan efficiency and solve the funding problem as soon as possible.
Loan intermediaries mainly provide loan consulting services for small and micro enterprises and individuals. Most of the staff of loan intermediaries have financial work experience, understand the loan process of various banks, and have their own fixed contacts in these financial institutions, so the borrower's loan success rate can be improved to a certain extent.
Loan intermediaries will not provide loans to small and micro enterprises and individuals, but because these borrowers do not understand loan knowledge, they need the help of loan intermediaries to apply for loans in banks as soon as possible. Loan intermediaries provide services for these users, so they will charge a certain loan service fee. Most ordinary people don't know about bank loans, and borrowers in the region don't have time to understand them one by one. With loan intermediaries, they can help borrowers find suitable loan products quickly and save a lot of loan interest. Looking for a loan intermediary, the borrower can easily get a loan from the bank by paying the intermediary service fee.
The borrower finds a reliable loan intermediary, which can quickly analyze the borrower's own disadvantages with its own experience and professional knowledge, avoid the borrower's own disadvantages as much as possible, and recommend appropriate loan products. During the period of serving customers, loan intermediaries will also introduce the loan policies of various banks to customers in time and recommend some loan products with lower interest rates to avoid problems when customers apply for loans.
Is it reliable to find an intermediary for a loan?
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.
brief introduction
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.
Is it reliable to find an intermediary for online loans?
Not reliable. If you can't get a loan yourself, or if you don't have collateral, others won't bring it to you. Looking for an intermediary still won't work, and it may even make you spend more money on the intermediary, and finally get nothing. So the best way is to get a loan yourself. If you can't get a loan, your credit is very poor. It's useless for anyone to help you at this time.
Formal loan platform:
First, Alipay borrows money.
Lending treasure is a credit product of Ant Financial, with a maximum amount of 300,000 yuan. The use entrance of the loan is on Alipay, log in to the account, search for the loan, and enter the loan page to use it.
However, the loan is an invitation system, and the loan can only be used after being invited to borrow. If you don't have the quota and interest rate on the loan page, you are not a loan user yet.
The opening of borrowing is the result of system audit, and users can't open it actively. To open ant borrowing, the following conditions need to be met: (1) Alipay account completes real-name authentication; (2) The account status is normal and has not been appealed; (3) The account is bound to the mobile phone. For the account that meets the above conditions, the system will make an irregular comprehensive evaluation according to your account usage, and the final use will be subject to the system evaluation, and manual intervention is impossible.
If you want to open Alipay as soon as possible, you can try the following methods:
1, use Alipay more, Alipay has many functions, such as taking a taxi and managing money. Let the system see your loyalty, and use Alipay more to let Alipay see your good spending power.
2. Maintain good credit habits, use credit products such as flower buds to repay on time, and try not to overdue. After all, borrowing flowers is a credit loan, and good credit can make the system believe you.
Second, Tencent Microfinance
Micro-loan is a credit product launched by Tencent Weizhong Bank, with a maximum amount of 300,000. It should be noted that, like borrowing, micro-lending is also the way to open the invitation system. If you don't see the words "micro-loan" in Jiugongge of I Pay-Tencent Service, it means that you haven't got the micro-loan.
If micro-loans cannot be opened at present, you can refer to the following methods.
1, open WeChat payment point
In the future, the WeChat payment score may be used as an evaluation standard for evaluating the micro-loan amount, so make preparations early and easily turn passive into active.
2. Use WeChat to shop more.
Multi-use WeChat shopping, while satisfying the desire for consumption, also brushed the sense of existence in Tencent system. Because we can get our consumption data in this way, those of us who can prove our purchasing power will more easily realize the purpose of opening small loans.
Step 3 pay more for living expenses
Wechat is often used to pay for living, mobile phone fees, utilities, gas, broadband, fixed-line and so on. In addition, the city service has also opened the functions of hospital registration, car traffic violation inquiry, social security inquiry and so on. More use of these convenient operations will also help to increase the amount.
4. Buy more and manage money
If you have enough money, buy some funds, insurance and wealth management products and save them to collect interest. After a period of time, small loans can be opened.
5. Use the "Credit Card Repayment" function of WeChat.
Use WeChat to bind the credit card, and make a fixed repayment of several thousand yuan every month, and there will be a quota soon.
Third, spend a little money.
Qianhua is a credit product of Xiaoman Finance (formerly Baidu Finance). At present, the main push is easy loan, and the maximum amount of easy loan is 200,000.
Money can be opened voluntarily. 18-Non-university students over the age of 55 can apply for monetary loans. When applying, they can prepare their original second-generation ID card and bank debit card.
It should be noted that as a formal loan platform, Lending Bao, Micro-loan and Spending Bao have been connected to the central bank's credit information system in strict accordance with regulations. Therefore, everyone must develop the good habit of paying back on time and accumulate personal credit.
Is the loan intermediary reliable?
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.
So much for the introduction of online loan intermediaries.