What kind of existence is a loan intermediary company?

Match the corresponding loan products according to consumers' own qualifications and loan demand. Take the initiative to call consumers and help them with loans after obtaining their consent. After the loan is successful, a certain percentage of service fees will be charged to consumers.

Now with the rise of online lending, most borrowers can apply for loans directly through their mobile phones. We don't know much about intermediaries. In fact, loan intermediary is also an important profession, because many borrowers don't know much about products and loans, and need an intermediary to introduce and facilitate transactions. In this process, they may have to charge some service fees, similar to real estate agents.

Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises stipulates that the state encourages all kinds of social intermediary agencies to provide small and medium-sized enterprises with services such as entrepreneurship assistance, enterprise diagnosis, information consultation, market consultation, investment and financing, loan guarantee, property right transaction, technical support, talent introduction, talent training, foreign cooperation, exhibition and legal consultation.

Therefore, as long as the loan intermediary does not engage in illegal loan fraud and the service fee does not exceed the standard, then the law is allowed. Some borrowers consult loan procedures and processes in lending institutions, and customer service personnel require a 4% service fee. In fact, there are credit managers in the bank who specialize in loans, and there are also expenses for facilitating transactions, which are only included in the loan cost.

Formal and reliable loan intermediaries can help borrowers a lot. The biggest advantage lies in strong connections and rich experience. It can help borrowers analyze their own strengths and weaknesses, introduce suitable products, and inform you of the latest information of various lending institutions, such as which bank has recently tightened lending, which loan products have stopped lending, and which loan interest is the lowest.

When we apply for a bank loan, often a little problem may lead to loan failure. A good intermediary can help you avoid these problems as much as possible. In short, if you find a good loan intermediary, you can save a lot of things and avoid detours, so it is appropriate to pay a certain service fee, but you must remember to find a formal and legal institution, otherwise you will easily fall into the trap of a liar.