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!
Is it safe for buyers to buy a house through an intermediary? After reading it, you will have the answer!
When buying a second-hand house, buyers will consider looking for an intermediary to buy a house in order to see more suitable housing. In fact, looking for an intermediary to buy a house must pay attention to the details to avoid being deceived. So is it safe for buyers to buy a house through an intermediary? What are the precautions for buying a house through an intermediary loan?
When buying a second-hand house, buyers will consider looking for an intermediary to buy a house in order to see more suitable housing. In fact, looking for an intermediary to buy a house must pay attention to the details to avoid being deceived. So is it safe for buyers to buy a house through an intermediary? What are the precautions for buying a house through an intermediary loan?
1. Is it safe for buyers to buy a house through an intermediary?
Any transaction is risky, as long as the details are well controlled and the risks are strictly controlled. The most important thing to buy a house through an intermediary is to find a reliable intermediary. You can find a reliable intermediary in the following ways:
1, first of all, we must eliminate the "black intermediary"
Because the sale of houses is a big transaction, buyers can search the information and materials of relevant intermediary brands online before entrusting an intermediary to buy a house. The most important thing is to know whether the relevant intermediary has illegal information.
2, good reputation, big brand
Generally, big brand companies will pay attention to image, which is really risky and the intermediary can't run away. Word of mouth can be obtained from friends around you or from your own observation. Brand intermediaries generally guarantee buyers and sellers, such as the refund of agency fees in case of transaction failure and the full amount of haunted houses! And is relatively transparent in subsequent proces.
3, find a big one.
It is recommended that buyers find an intermediary company with a large turnover. Follow-up business processing ability is strong, and it has a high degree of running-in with banks, evaluation companies and housing management bureaus, so buyers can have less concerns in the process of buying a house.
4. Pay attention to the intermediary file.
Checking the business license of the intermediary company is a necessary step to check the legitimacy and authenticity of the intermediary company. You need to see whether the intermediary company you choose has "two certificates", including "business license" and "real estate intermediary registration certificate". Of course, don't forget to check whether the intermediary has a valid qualification certificate.
Second, what are the precautions for buying a house through an intermediary loan?
1, pay attention to the room age.
Because the term of the second-hand housing loan is affected by the borrower's age, the age of the second-hand housing, the land use period and other factors. Old second-hand houses are relatively old and the loan period is limited; If the house is more than 20 years old, it is very likely that the bank will refuse the loan.
2. Pay the house purchase deposit carefully.
Property buyers must wait for the property right investigation before paying the deposit. When paying the deposit, be sure to specify when to pay the deposit, when to pay it back, what to do, how to compensate for breach of contract, and so on. And then give as little as possible.
3. The down payment is used for fund supervision.
If the buyer buys a house without paying back the loan, the down payment should not be paid directly to the seller or intermediary. Why should buyers be advised not to do so? Mainly to prevent the down payment from being misappropriated.
4. Pay attention to the settlement time of the agency fee.
Property buyers should insist on the completion of the real estate transaction process before paying the agency fee. This point must be clearly written in the contract, and never settle the agency fee after signing the sales contract.
5. Sign the contract carefully.
When signing a sales contract, you must understand the meaning of each item and confirm the price, payment method and indoor equipment. Bring a lawyer if you can. If there is any dispute, both parties need to discuss and reach an understanding. If you don't know the situation, you must inquire from many parties and fully understand the details before signing and stamping.
In addition, most intermediaries have unified standard contracts. It should be noted that the supplementary terms will generally clarify the responsibilities of both parties, and then the buyer and the seller will agree on the liability for breach of contract in advance. It should be noted that the intermediary's liability for breach of contract should also be agreed in advance.
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.
Is it reliable for real estate agents to help with loans? People who are afraid of being fooled can look here.
In real life, when many borrowers apply for loans, they will find that they do not meet the loan requirements of banks, or they cannot apply for more loan quotas by virtue of their personal loan qualifications. There will be many borrowers who need the help of intermediaries when applying for loans. Is it reliable for real estate agents to help with loans? People who are afraid of being fooled can look here!
Is it reliable for real estate agents to help with loans?
In fact, real estate agents are third-party agents, mainly using their own resources and knowledge stored in the industry to help borrowers improve their personal qualifications and strive to apply for loans from banks. No intermediary agency has made a final decision to ensure that it can help borrowers apply for loans. If the real estate agent contacted by the borrower claims that "100% is certain", it is basically not established.
Many banks or other financial institutions have more or less started to engage in intermediary services. Use their close relationship with banks to help some individuals or enterprises solve the loan problem. For example, when a borrower applies for a loan, the flow of the bank is always blocked. The intermediary can tell the borrower what kind of tap water is effective, thus helping the borrower solve the tap water problem.
Some borrowers are not clear about the current loan interest rate and loan conditions. Many intermediaries work closely with banks, and can estimate the range of loan interest rate and approximate credit line according to the qualifications of borrowers. Undeniably, the intermediary has indeed solved the problem of loan difficulties for many borrowers, but there are also many informal intermediaries in the market that have deceived many users.
When contacting the intermediary, the borrower must look at the intermediary's qualification, and first search the online intermediary's evaluation and strength. After all, the service fees charged by intermediaries are generally not low, so everyone must be careful.
The above is "Is it reliable for real estate agents to help loans?" I hope I can help you!
Is it reliable to buy a house and find an intermediary?
Houses are becoming more and more popular. In addition to buying newly developed properties, buying second-hand houses will basically find an intermediary to understand. Because many people don't know how to buy and sell houses, without this knowledge, they can only find an intermediary. So is it reliable to buy a house and find an intermediary? How to continue to find an intermediary to buy a house? Let's study together!
Is it reliable to buy a house and find an intermediary?
1. It's really true to find an intermediary to buy a house. If you don't choose a large intermediary, you should at least choose a large and reputable institution with a business license. Those small, unfamiliar intermediaries are not very reliable. When looking for an intermediary, you must go to the field to inspect the organization, make a look, listen and consult!
2. Before preparing to find an intermediary, you must have a certain understanding of the intermediary company. You can use your ID card to inquire about the real information of the house in the real estate trading center to avoid unnecessary losses.
3. For intermediary contracts, many have unified contracts. When signing a contract, beware of the intermediary contract trap. Usually, who drafts the contract is beneficial to whom.
Intermediary purchase process
1, looking for housing
You can now check the right house you like on various websites. It is best to go to a local reputable intermediary company with high credibility.
2. On-site house inspection
After confirming the house you want to see with the staff of the intermediary company, ask the intermediary to contact the landlord, choose a suitable time for you to see the house on the spot, and carefully check the specific situation of the house, because once you decide to buy a house, you can't check out.
3. Property right survey
After the three parties determine the housing, they can check the seller's documents, such as ID card and real estate license.
Step 4 sign a contract
After everything is normal, you can enter the link of signing the contract. At this time, it is necessary to decide whether to pay in full or mortgage.
5 transfer
This must be done by Yao, and all taxes paid by Yao must be paid before this. bank loan
Editor's summary: The above is a partial introduction about real estate agents. Now there are more and more houses, followed by more and more intermediary companies. Need to find a reliable middleman. You should know how to see, listen and consult! Don't be afraid of trouble, you can go to several intermediary companies to see. After all, buying a house is a big deal.
Is it reliable for an intermediary to handle mortgage loans?
The cost of intermediary housing mortgage loan is high, and intermediary companies can earn a lot of profits by handling housing mortgage loans. Generally speaking, they charge 3% of the housing loan as a handling fee. If the loan is 6.5438+0.5 million yuan, then the handling fee is 45 thousand yuan. In addition, the loan interest rate will be different according to the loan term and the situation of different banks, and the difference is still relatively large. The longer the general life expectancy, the lower the interest rate. Most intermediary companies, mortgage interest rates, will rise by about 20%-30%. However, the cost of housing mortgage loans through intermediaries is still much lower than that of private lending. Mortgage or pawn? Beware of being embezzled by an intermediary and looking for an intermediary to handle mortgage loans. If you trust the intermediary too much, submit personal identity documents, household registration books, and entrusted notarization. For intermediaries, intermediaries can use these materials to pawn mortgage loans! The lender didn't know the house was pawned until he received a dunning call from the pawnshop. Moreover, the general redemption period is three to six months, which is a quick short-term financing behavior. Remind everyone that it is best for ordinary buyers not to chip in to buy a house through mortgage loans. Because the mortgage procedures are relatively complicated and the interest rate is relatively high, the pressure on buyers is still great. In addition, you must find a formal intermediary to get a loan from the bank for mortgage loans, and don't hand over the real estate license and ID card easily.