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.
Is the intermediary loan reliable?
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 know very well what information you need to prepare and what conditions you need to meet, so as to avoid the embarrassment and obstacles of 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.
Do intermediary loans really need to open a mobile phone U shield and provide ID cards and bank cards?
It is not true, because the intermediary loan has nothing to do with the bank, it is false propaganda and deceives the borrower. Open a mobile phone U shield, provide ID cards and bank cards, and defraud high fees. Illegal intermediaries often attract consumers under the guise of "low handling fee" and "100% loan". After the borrower gets the loan from the bank, the illegal intermediary uses various names. ...