It is conceivable that many large institutions in the market are intermediaries, such as Alibaba, Ant Financial, Meituan, Ping An Pratt & Whitney, and real estate agents. Their existence is meaningful.
Of course, when the forest is big, there are all kinds of birds, and everyone understands this truth. It's up to you to find a reliable formal intermediary!
Hello! There are good and bad ways to apply for bank tax loans through financial intermediaries.
Disadvantages: it will increase the financing cost of the company. Entrusting an intermediary to handle the loan will charge a handling fee. Formal intermediaries generally charge 1-3 points, while informal intermediaries will charge 3-5 points or even higher handling fees, management fees and channel fees.
Benefits: Intermediary companies will cooperate with most banks in the market, be familiar with the application conditions of banks, match which bank has low interest rate and high approval rate according to the actual situation of customers, and avoid some problems in advance.
Now apply for bank tax loans to meet three basic conditions:
1, the enterprise has been established for more than 2 years.
2. Normal tax payment 1 year or above, and annual tax payment of more than 20,000.
3. The tax grade is A or B, and some banks can also apply for M..
Different banks in different regions have other requirements. You should apply according to your actual situation and the requirements of the bank. Don't blindly apply from one bank to another, which will lead to more credit inquiries.
Remember to entrust the intermediary to handle the loan, the intermediary service agreement must be clearly read, the handling fee must be clear, and there is no possibility of charging a certain fee in the contract.
Finally, I wish all enterprises a smooth financing.
I have been engaged in financing consulting services for small and medium-sized enterprises in Wuhan for many years and have served many business owners and individuals. I have also handled tax loans for hundreds of enterprises.
You said that the tax loan was handled through an intermediary, but I want to say that there is nothing unreliable. Only the cost.
It is definitely more efficient for an intermediary to help you than to do it yourself, and the success rate will be much higher. It can also save a lot of time and energy, but the only thing is to spend a certain service fee.
So why is it better for the intermediary to do it for you?
Because they understand the loan products and requirements of different banks, they will help you control them from the source, and the information will be optimized to avoid some taboos. Similarly, their bank cooperation channels are stable and efficient. So find an intermediary to worry about. But it must be a relatively professional institution and person.
Then the key point is the cost. The service cost is high or low, and the general market is high or low, about 3%. After all, both professionalism and service have costs. But there is no charge in the early stage, and it will be charged after the next stage. Therefore, the general intermediary will try to help you with the loan, otherwise it will be in vain. If you encounter upfront charges, you should pay attention.
There is also the need to sign a service agreement, so as not to talk about the cost in the early stage and pull various reasons to make you pay more. Many illegal intermediaries and individuals get customers with low service fees and use various fees that do not need to be named. Make the cost higher.
Therefore, when choosing an intermediary, we must choose a professional and reliable one and agree on various service fees.
Finally, I hope everyone will pay attention to it actively. For the knowledge about tax loan products, you can browse my historical articles and introduce them in detail. I hope it helps. Thank you!
Financial intermediaries themselves make money by taking advantage of information asymmetry. Intermediaries are familiar with the bank's credit products and processes, while most lenders know little about credit knowledge, and even hearsay thinks that bank loans have many procedures, strict examination and slow lending. In fact, banks have changed a lot now. As long as the enterprise can meet the conditions of good credit rating, tax grade above B, and not belonging to the loan-forbidden industry, the loan is relatively easy.
For lenders, the advantage of financial intermediaries is to save time and effort. Formal financial intermediaries are familiar with the key points of bank audit and the ways and processes of loans, and will consciously "package" when applying, which will make it more likely to pass the audit by the bank's risk control department.
Of course, the disadvantages are equally obvious:
First, the cost is high, and some intermediaries charge service fees. The general market price is about 3 points of the total loan, which increases the financing cost.
Second, for their own interests, some intermediaries recommend some funders with higher credit interest rates to share profits in the background, which also pushes up the financing cost of lenders.
Third, at present, the financial industry is mixed, and there are some informal intermediaries in the market who try their best to cheat. In the end, they spent a lot of money but were cheated.
If the enterprise has excellent conditions in all aspects, it is recommended to find a bank loan yourself. Banks welcome quality customers very much. For enterprises with strong business ability, high-quality assets and good reputation, loans are not as difficult as expected!
You can trust me privately if you need to know more about the bank loan!
There is no denying the existence of black intermediaries. I'm a loan agent myself. I can call the police in case of arbitrary charges. If I knew I matched that bank product, I could go to the bank myself!
What is a financial intermediary?
Financial intermediary refers to the person or institution that acts as a medium or bridge between the supply and demand of funds in the process of financing in the financial market. John G. Gurley and Edward S. Shaw divided financial intermediaries into two categories: monetary system and non-monetary intermediaries. The monetary system acts as an intermediary mechanism for buying primary securities and creating money; Non-monetary intermediaries only play an intermediary role, buying primary securities and creating monetary claims against themselves in the form of savings deposits, stocks, common stocks and other bonds.
Financial intermediaries are generally composed of bank financial intermediaries and non-bank financial intermediaries, including commercial banks, securities companies, insurance companies and information consulting services. Finance is the core of modern economy.
In modern market economy, financial activities are closely related to economic operation. The scope and quality of financial activities directly affect the performance of economic activities. Almost all financial activities are centered on financial intermediaries, so financial intermediaries occupy a very important position in economic activities.
With the deepening of economic financialization and the rapid advancement of economic globalization, financial intermediary itself has become a very complex system, and the operation of this system plays an extremely important role in the healthy development of economy and society.
Financial intermediaries are nothing more than cooperating with all banks and getting familiar with their import conditions and standards. Generally, there is a service charge for such services. Still have to look at the form before making a decision! ! !
The advantage of financial intermediary is that it saves time and effort. Some formal intermediaries are familiar with the key points in the process of bank review and loan methods, and will consciously "package" when applying, suggesting that there is a greater probability of making a payment.
Of course, the disadvantages are equally obvious. First, the cost is high. Some intermediaries charge service fees, and the general market price is about 3 points of the total loan, which increases the financing cost. Second, for their own interests, some intermediaries recommend some funders with higher credit interest rates to share profits in the background, which also pushes up the financing cost of lenders. Third, at present, the financial industry is mixed, and some informal intermediaries in the market do everything possible to cheat. Finally, they spent a lot of money and were cheated.
If the enterprise has excellent conditions in all aspects, it is recommended to find a bank loan yourself. Banks welcome quality customers very much. For enterprises with strong business ability, high-quality assets and good reputation, loans are relatively easy!
There are advantages and disadvantages in finding a compliance intermediary to cooperate, which will increase the financing cost, but it will also save a lot of time cost and opportunity cost. Business owners are very busy. It is suggested that the business owner should first find the account manager of the bank corresponding to the business account. If there is a quota, it is easy to make a payment. If there are no places, they can seek the help of an intermediary.
Existence is valuable!
Financial loan intermediaries do have their unique advantages and can do things that we can't usually do!
My personal experience, in the Bank of Communications, for small and micro enterprise loans, in fact, the conditions are ok, but the stop-and-go supplementary information, stop-and-go supplementary information ... endless, and finally I am sorry, I didn't do it!
Later, an intermediary was entrusted, and 70% of the appraisal price of the collateral was received in less than 10 days!
4% commission, saving real estate assessment 1 thousand! Five-year authorization, first interest, then funds, it seems that the annual interest rate is about 5%!
Short, flat and fast career.
There are some good intermediaries who do know something. Generally, you can go to the Agricultural Bank of China to try micro-credit loans. The company has been established for two years, and the average annual tax payment is about 20,000. You can go directly to the credit department of the bank and apply directly after opening a company account. It is purely online approval, and manual intervention is impossible. Satisfying the above two conditions should not be a problem. There are Changsha Bank, China Construction Bank and Bank of Communications. Now open a company account in CCB, and try to see if CCB can come down. The monthly interest rate is usually four.