I don't think it's credible. I suggest you be careful.
The difficulty in lending to small and micro enterprises is a thorny issue at present, and many places are also introducing strategies to help small and micro enterprises with loans. Under this premise, I suggest that small and micro enterprises apply for formal bank loans as much as possible, and do not contact so-called offline lending institutions, let alone apply for so-called online loans. Small and micro enterprises themselves have less capital and cannot stand the toss of non-performing loans.
First, loan intermediaries will have many routines.
This truth is actually very simple, only the process of bank loans is absolutely formal. For most loan intermediaries, they not only need to earn a certain fee, but also need to support many staff. Even if a product is formal, lending institutions will earn a certain price difference from it. Many enterprise legal persons do not understand the relevant loan process, let alone study the loan contract, which will also give the loan intermediary an opportunity.
Second, many loan intermediaries only lend privately.
Some loan intermediaries know that it is difficult for small and micro enterprises to borrow money, and they also know that small and micro enterprises will be more cautious in lending money, and they will also package loan products into relatively formal banking products. Although the names of these loan products include the names of banks, these products still belong to private lending in essence. This kind of gathering is one of the routines of loan intermediaries, and it will also involve small and micro enterprises, and some small and micro enterprises will even bear high loan interest.
Third, you have to go to the bank to apply for a formal corporate loan.
Although it is difficult for general enterprises to apply for loans from banks, it does not mean that all enterprises cannot apply for all corresponding loan products. If you are an enterprise legal person, I suggest you try the bank more often. If the Big Four fails, you can choose to apply for loans from commercial banks or local banks. If all the above methods fail, the enterprise legal person can even apply in his own name, but it is best not to touch the offline lending institutions and loan intermediaries.
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.
The scam behind the "zero down payment": the mind is in the middle.
The scam behind the "zero down payment": the borrower intends to buy a fake house and mind putting it in a real loan.
Investigation and study on the relationship between banks and real estate
The tightening of supervision has made it more difficult to approve housing-related loans, so some small loan companies have turned their attention to the real estate mortgage business.
The Tao is one foot high, and the devil is ten feet high!
Although the routine of buying a house by fake divorce is outrageous and many places are heavily supervised, according to the reporter of Securities Daily, what is even more outrageous is the "zero down payment" house. Unlike the down payment loan to amplify the leverage of the property market, "zero down payment" is intended to be a fake house purchase and a real loan.
"Help you buy a house by financing," said Mr. Li of Fujian. "It can raise 500,000-800,000 yuan."
"The intermediary company said that the virtual house would give me a loan without a down payment. After the loan was made, I realized that the so-called advance payment by intermediary companies is actually a routine of borrowing money from small loan companies at high interest rates. Buying a house is real, not a verbal agreement; At present, there are many similar situations that I only know, and now we don't know what to do. " The borrower Lu Xiao (pseudonym) chose to ask for help through the Internet.
"Zero down payment" is actually a routine.
Regarding mortgages, Jianghu routines can be described as endless.
Before the Spring Festival this year, the down payment loan has not been clearly defined by the supervision, and due to the intervention of some P2P platforms, the down payment loan once topped the aura of Internet financial products. However, with the concern about the leverage risk of down payment loans, the supervision has cleaned up and rectified real estate intermediaries, real estate development enterprises and related financial businesses many times. However, although the down payment loan has become a street rat, the "zero down payment" which is more unreliable than the down payment loan is still lurking, and the means are more complicated.
The "Securities Daily" reporter recently noticed that some intermediaries publicized "buying a house to help you finance".
Our reporter contacted the above-mentioned Mr. Li in Fujian and learned that "the loan is 500,000-800,000 yuan", and the recommended places for purchasing real estate are mainly concentrated in Fujian Province, including Shang Jie, Fuqing and Changle in Minhou. The requirement for property buyers is only "25 to 50 years old, with a national hukou;" Good credit information, no more than 5 credit cards, no more than 300,000 yuan in existing liabilities, and no more than 500,000 yuan in liabilities of married second property owners ".
The materials that borrowers who meet the above conditions need to submit only include ID card, household registration book, detailed credit report, half-year bank account and work certificate.
In addition, there are villa advertisements that directly classify potential buyers. For buyers, "the total price of the house is 2 million, and the down payment is only 50,000. No matter how much the monthly payment is, it will be given away for five months "; For financing customers, "as long as the deposit is 50,000 yuan, the company can help financing 1 10,000 yuan with one hand and introduce customers to get high commissions".
Everything looks like the classic slogan of children's learning machine-"so easy, mom doesn't have to worry anymore"
However, according to the "Securities Daily" reporter, things are not so simple.
"The total price of the house I bought was 560,000, and the agent told me that there was no down payment. The intermediary company paid more than 60,000 yuan, the real estate agent paid 654.38+10,000 points and the bank mortgage loan was 390,000 yuan. Now I need to pay the interest of 4 cents a month for the part borrowed from the intermediary. The mortgage of house loan is several thousand yuan every month, and the money paid by the real estate agent is also paid; In addition, the 70,000 yuan loan applied for by the mortgage house was charged more than 20% of the idea fee, "Lu Xiao said. "After signing the agreement, I found that the loan of 70,000 yuan was not a bank loan I thought before, but a loan from a microfinance company, and the interest rate was much higher. Now I want to repent, only to find that there is no evidence in my hand. "
The so-called "concept fee" is a folk saying, which refers to unqualified fees that do not conform to national laws and regulations. The specific idea is the percentage agreed by both parties, and 1% is a "point".
The "Securities Daily" reporter found that this situation of "credit white households being defrauded of zero down payment for housing financing" has occurred in many places across the country. Most buyers are trying to cash out, but they are burdened with a lot of debts. In order to attract customers, some intermediaries even promised to buyers that "the loan is not connected to the credit information system and there is no need to really pay back the money". However, in June this year, 5438+ 10, some netizens said that they had encountered similar scams. "The company ran away, and the real estate license and land certificate were taken away."
Mortgage loan turns to "non-governmental"
According to the data of June 5438+065438+ 10/8 released by the National Bureau of Statistics, in June 5438+ 10, the real estate market in first-tier cities and second-tier cities in 70 large and medium-sized cities nationwide dropped significantly, and the price increase in many cities dropped rapidly.
Although the property market regulation has achieved initial results, the property market regulation policies in many places have been increasing: Hangzhou, Wuhan, Shenzhen and other places have successively introduced new property market policies, which have restricted the proportion of provident fund, social security and loan down payment.
The tightening of supervision will undoubtedly increase the difficulty of approving housing-related loans, so some small loan companies have turned their attention to the real estate mortgage business.
"Nanjing real estate, if you apply for a mortgage loan, the monthly interest is 1. 1%, plus one-year service fee (3.5%); Apply for a second mortgage loan with a monthly interest rate of 1. 1% and a half-year service fee of 2.5%. " Mr. Chang of Nanjing said that he had a way to find a small loan company to do real estate mortgage business.
The so-called mortgage refers to the first mortgage of real estate; Secondary mortgage refers to the secondary mortgage in different institutions or companies.
According to Mr. Chang's asking price, the annualized cost (interest plus service charge) of the first mortgage loan is 16.7%, while the annualized cost (interest plus service charge) of the second mortgage loan is 18.2%. The above price is significantly higher than the bank mortgage interest rate. For banks, the interest rate of unsecured and unsecured credit loans is generally between the annual interest rate 15%- 18%, and the interest rate of mortgage loans is usually only slightly higher than the benchmark interest rate.
Small loan companies may feel powerless even if they see "business opportunities" because of limited funds. Therefore, packaging related assets into wealth management products and selling them to private investors has become their financing method.
"The monthly interest rate can reach 1%, and the annualized interest rate is 12%, killing all kinds of bank discount deposits, bank wealth management, trust products and asset management products!" Mr. Gao, a financial intermediary, said, "The house (pure residence) mortgage business has been looking for investors for a long time."
Mr. Gao stressed that "if the house cannot be moved or carried, you can apply for notarization mortgage registration (other warrants) through the housing management office;" In addition, the company ensures the safety of funds through pre-lending due diligence, years of experience in front-line risk control, post-lending management and free collection. "
From the above-mentioned so-called financial services, it can be seen that a capital flow chain constructed by "investors-small loan companies-borrowers" seems to be a win-win situation, but for mortgage loans with annualized costs exceeding 15%, how to ensure the risk of capital flow and the repayment ability of borrowers through a few experiences of intermediaries? Especially the real estate business in two mortgage, in fact, many banks have completely closed the door of this business because they are aware of the risks.
What should I do if I am beaten by a loan company?
Through the online lending platform, customers can keep relevant evidence, such as loan details, chat records, recordings, etc., and then report to relevant departments. Generally speaking, the legitimate rights and interests of customers will be protected, and you don't have to worry too much about regular loans. Generally speaking, conventional loans have the following characteristics: 1, and the loan interest rate is opaque. 2. There is a loan service fee. 3. There is a loan guarantee. 4. Charge the loan agency fee. 5. There will be "beheading". 6. No loan qualification. 7. The main company can't be found. 8. General loan news is published online. 9. Deliberately create traps to make customers overdue. 10, collect unfrozen deposits. In some of the above situations, customers need to be cautious. Pay attention to regular loans to avoid falling into the trap. When applying for a loan, in order to protect their rights as much as possible, customers still have to choose a formal lending institution to apply for a loan. Of course, formal lending institutions are slightly stricter.
The introduction of loan intermediary routines and loan intermediary routines ends here. I wonder if you found the information you need from it?