Not necessarily. The loan assistance company is actually an intermediary company. Collect service fees by handling customer loans. Lending companies not only cooperate with banks, but also have more other channels. The internal products of banks will also be limited to cooperative institutions, so finding professional institutions can solve more problems better than individuals, what materials need to be prepared, what matters need to be paid attention to and so on. Moreover, loan assistance companies will recommend products with the lowest interest rate because they will charge a handling fee.

But there are many such companies and many informal companies. For example, collecting fees and making plans for customers. The loan company must have an actual office address, and the office must be official. A loan assistance company without an office address may be a fake loan assistance company. The loan company may run away at any time, and you can't find it.

Please be sure to sign offline. Whether the customer service answers the phone in time and whether the service is in place. Enterprises with poor strength must also have poor service capabilities. This also reflects the reliability of the company. We all know that loan assistance companies charge fees. It depends on whether the charging process and rate of the loan company are standardized and whether there are loopholes in the contract. Formal loan companies only charge after the loan is successful, and if it is unsuccessful, they will not charge.

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Repayment method:

(1) Equal principal and interest repayment method: equal monthly repayment of the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. In this way, the monthly repayment amount is the same;

(2) Repayment of equal principal: the borrower distributes the loan amount to each installment (month) evenly throughout the repayment period, and pays off the loan interest from the previous trading day to the repayment date of the current day. In this way, the monthly repayment amount decreases month by month;

(3) Repaying the principal and interest on a monthly basis, that is, the borrower should repay the principal of the loan in one lump sum on the maturity date of the loan (applicable to loans with a term of less than one year (including one year)), and the loan will bear interest on a daily basis and be repaid on a monthly basis;

(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance by applying to the bank. Generally, it is an integer multiple of 10000 or 10000. After repayment, the lending bank will issue a new repayment plan, in which the repayment amount and repayment period change, but the repayment method remains unchanged, and the new repayment period shall prevail. Don't exceed the original loan term.

(5) Pay off all the loans in advance: that is, the borrower can pay off all the loan amount in advance by applying to the bank. After repayment, the loan bank will terminate the borrower's loan and handle the corresponding cancellation procedures.