The risk of finding an intermediary for a loan:

Intermediary companies are uneven

There are too many intermediary companies in the private market. Due to the lack of supervision, such companies are diverse. Some lawless elements can register a company for listing, and many people can't judge whether an intermediary company is qualified. Therefore, this part is often on the edge of the law, and becomes the interest transporter and the illegitimate interest sharer of banks and other subjects.

Information Asymmetry

Because borrowers who go to intermediary companies are often unprofessional and do not know much about loan knowledge, some intermediary companies will use information asymmetry to deceive lenders, resulting in high loan costs.

Agency fees vary.

Intermediary companies usually charge a certain service fee, while informal companies do not charge a uniform fee, which may be arbitrary and discriminatory, just like buying clothes in the clothing market, which often leads to one person and one price.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

Repayment method:

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

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is 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 when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

Looking for an intermediary to help the bank handle 65438+ 10,000 loans is only 50,000, and the remaining 50,000 is reliable without interest?

Not reliable. Intermediary bank loans are not necessarily reliable, and some intermediaries can't help customers approve loans, mainly to earn intermediary fees paid by customers. Banks are very strict in examining the qualifications of customers. The intermediary company claims that it has cooperation with the bank and can apply for a loan with low interest rate and good credit, and then draws five points. In fact, you can go to the bank yourself, and the intermediary company has no effect at all, just because the information is not connected.

What should I pay attention to when applying for mortgage loan from a bank through an intermediary?

First of all, if you find an intermediary company to handle housing mortgage loans, the handling fee is very high, and many intermediary companies will raise the interest rate of mortgage loans, which may rise a lot on the basis of the benchmark interest rate.

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. In most intermediary companies, the mortgage interest rate will rise by about 20%-30%.

Secondly, if you find an intermediary to handle mortgage loans and give your personal information, real estate license and entrustment certificate to the intermediary, the intermediary may use these materials to dispose of the house at will, and the safety will not be guaranteed.

Therefore, when choosing an intermediary company, everyone must be careful to be cheated.

What's the difference between finding an intermediary for a loan and going to the bank by yourself?

There are many differences between getting a loan from an intermediary and going to the bank by yourself. Efficiency, professional service, matching products, avoiding risks, communication skills, etc. Of course, the most important thing is that the intermediary will charge a service fee.

In fact, I don't agree with this statement, because there are indeed many customers with better qualifications. In fact, they go to the bank themselves and the result is the same.

But most of the people looking for intermediary loans are slightly flawed customers! For example; Bad credit, heavy debts, no assets, and the spouse can't know. If you go to the bank by yourself according to the normal process, you will definitely be rejected.

At this time, intermediaries are needed to play a role (you know, many bank salesmen have reached cooperation with intermediaries in private, and once a president told me that credit business is also an intermediary, and it is impossible to promote new products without intermediaries, but the overdue rate is uncontrollable).

Moreover: the bank threshold is high. If you follow the normal process, some loan officers don't care at all, unless you are particularly qualified. Because he doesn't lend you money, it won't hurt him, but the extra income from doing intermediary orders is very considerable.

In addition, from the aspect of overdue, the door-to-door customer belongs to the salesman himself. If it is overdue, it will take energy. However, the intermediary's customers are well controlled. Once overdue, the intermediary will assist in the collection (no intermediary wants to cut off its own channels).

Generally speaking, the qualification of finding an intermediary loan is average, but no matter how bad the customer is, it is the god of wealth in the eyes of the intermediary. In other words, the worse the qualifications, the more money you earn. Because no qualified customers are willing to pay high agency fees.

But the agency fee is not free, and the agency will really spare no effort to help you get it. After all, it's all money

First of all, the intermediary will match the next payment from the corresponding bank according to your actual qualifications (you can't break your leg on your own), and then prepare the corresponding materials, sort them out and submit them to the bank for quick approval through relationships. Moreover, when I go to the bank for a face-to-face interview, I will be asked a lot fewer questions, which is basically a formality.

Some people think: Isn't the intermediary just taking me to the bank? Mainly relying on my own qualifications, it is not cost-effective for them to collect the appearance fee.

In fact, the so-called industry has specialization. You think it's simple because he told you the process, so just follow it. If not, they will take many detours and may not be able to pay the final payment.

Generally speaking, it is no problem to apply for a loan at the bank!

But, first of all, you have to ask whether the major banks can handle it according to your qualifications. Secondly, go back and prepare the materials according to the requirements of the loan officer.

ID card, tap water, credit information, work certificate, social security, provident fund, real estate license, marriage certificate, household registration book and so on. Then submit it for approval. During any formalities, you must pay in time, and you must make an appointment in many cases!

After time and energy are exhausted, you can go back and wait for the approval call. Any mistake in the middle may lead to the failure of the loan. Of course, it's free for the bank.

Finding an intermediary loan is convenient and quick, helping you match the most suitable products and reminding you of the main points and methods. The success rate of the next payment is very high, but the loan service fee needs to be paid.

Going to the bank by yourself is time-consuming and laborious, and the effect is slow. It is difficult to pay fees without good qualifications, and there is no charge.

Dear old irons, code words are not easy. If conditions permit, can you pay attention to a red heart support? I'm not tired anyway, haha.

Well, that's all my answer to this question! If you have different opinions, please leave a message in the comment area for discussion!

Loan intermediaries actually earn money by information asymmetry.

Many people have a misunderstanding that loans are a relatively high-threshold business, and they always feel that acquaintances can make the impossible possible and pay a certain price for it. In fact, the banking system has been running for so many years, and it has a mature operating system, and the risk control standards are basically fixed. Human factors have an impact, but they are also limited. Therefore, for many businesses that can be approved, people who don't know can also approve; A business that can be approved or not, if there is some artificial influence, becomes approved; An unapproved business, no matter how many people you know, can't change the actual situation of unapproved business, unless the system is faked, packaged into unapproved business, and then artificially influenced to become unapproved business.

Therefore, the so-called intermediary, in this process, only needs to make efforts, and the communication ability and even the so-called ability to dredge the relationship will become possible, not through packaging.

Therefore, for those high-quality customers, there is actually no need to find an intermediary; For those customers who are not very good or even have poor qualifications, they should find an intermediary. However, these customers should actually carefully examine their abilities before lending money. Lending is a double-edged sword. Originally, you were only on the ground floor, but after lending out, you may fall into the basement and even lose the ability to get up.

So, what do we need to do to apply for a loan?

People are self-aware, but now many people actually don't know themselves thoroughly. I should calm down and think about it before I take out a loan. Do I need this loan? Can this investment really bring me benefits? If the investment fails, do I really have the ability to repay the loan? Is it possible for this loan to bring crisis to yourself and your loved ones? After considering this series of problems clearly, proceed to the next step.

How much do I need at least for this loan? Will more loans help the later development? What is the loan amount I can afford? What mortgage guarantee measures can I provide? How long is it? After understanding this series of questions, you will basically have a clear and acceptable plan, such as loan amount, term, guarantee method and so on.

At present, there are many products of banks, but in fact, the homogenization competition is fierce. Most products of the same type just change their names, with different interest rates and different maturities. You can learn about the loan products through the online banking of various banks first, then choose the products that suit you, then go to the outlets of these banks to consult the relevant account managers, and then go through the examination and approval if appropriate. Note, apply for more banks, because the approval is uncertain, even if all of them are approved, you can choose the loan with the best conditions.

The above situation is aimed at those high-quality customers, who can apply for loans by themselves without looking for an intermediary. Isn't it sweet to save the agency fee for those points? All you have to pay is a little more time to look at the website and visit several banks, so tens of thousands of dollars will be saved.

If you are a non-quality customer, and you still feel the need for a loan after the previous evaluation, then I suggest you take the intermediary channel. Although you have paid a certain cost, the intermediary can help you complete the loan by virtue of its own professionalism and good relationship with the bank, which can greatly save worry and effort. This agency fee has bought valuable services, but it can't be saved.

As for what is a quality customer, we can refer to some standards of bank loans. Generally speaking, customers with stable jobs, good income, good credit, certain assets and controllable liabilities are. The civil servant loan promoted in previous years means that civil servants are quality customers; In recent years, due to fierce competition, the risk control standards have been lowered, and at that time, the above dimensions and standards could not escape.

I hope my answer is helpful to you.

Hello everyone! I am a "borrowing skill". As a bank employee and the author of "Teaching you how to easily master personal bank loans", I focus on answering financial questions such as deposits, loans, real estate and wealth management.

Whether to go to the bank or find an intermediary depends on whether the borrower is familiar with bank loans. If you are familiar with it, you can handle it yourself; If you are not familiar with it, you'd better spend money to find an intermediary.

Before analyzing the problem, let's look at a specific case:

On June 5438+ 10 last year, Mr. Zheng was anxious to raise some money. He applied for a loan from the bank in a hurry. However, he ran to two banks and was rejected. He was anxious to ask his friend if there was any way to solve the loan problem.

Mr. Zheng's friend said that if you are not familiar with the "road" of bank loans, you will naturally hit a wall everywhere. He suggested that Mr. Zheng spend 3000 yuan to ask a loan intermediary company to help him operate. This move really worked. In less than a month, Mr. Zheng got a bank loan of 400 thousand, which solved the urgent need.

Why did Mr. Zheng fail to apply for a loan himself, but the intermediary was able to apply for a loan successfully and quickly? The reasons are as follows:

It is skillful to apply for a bank loan. If you master the skills, it will be much easier to apply for a bank loan. Therefore, many people refer to applying for bank loans as "technical work". As a professional organization, loan intermediary companies are familiar with the doorways of bank loans and know how to solve problems when they encounter them.

Banks will launch different types of loans at different times. If we can fully grasp the loan varieties of various banks in time, we can make the loan application "sit in the right place", then it will be much more convenient to apply for loans.

The loan interest rates of different banks are different. Borrowers don't know whether they can apply for the best loan interest rate without fully understanding the bank loan information. As an institution specializing in loans, the loan intermediary company knows the bank loan market like the back of its hand, and can choose the most favorable loan from a variety of loan varieties, so that borrowers can save interest.

If you are eager to get bank funds and are unfamiliar with bank loans, you'd better find an intermediary company. Because the intermediary company is familiar with the bank staff, it will let the bank manager give priority to your loan.

There is an intermediary fee for applying for a loan through an intermediary. When the borrower decides whether to find an intermediary to handle the loan, he should understand this and discuss the price details with the intermediary in advance.

On one occasion, Mr. Wang asked the intermediary to handle the bank loan on his behalf. In the process of handling the loan, the intermediary said that in order to let the bank manager handle Mr. Wang's loan more quickly, the bank manager should be invited to dinner.

Mr. Wang thought that this meal fee was included in the agency fee. Later, when the intermediary fee was settled, the intermediary company charged Mr. Wang the meal fee. Mr. Wang refused to pay, and then both sides were very unhappy.

In addition, when choosing a loan intermediary, it is best to find a large well-known loan intermediary company to avoid being cheated!

There is little difference between looking for an intermediary and going to the bank for a loan yourself. What are the internal channels and special methods advocated by the intermediary for you, and so on. It's all a self-promotion, self-promotion rhetoric. What qualifications do banks need to see, such as credit information, assets, income and repayment ability? Wait, these things. If your conditions can't meet the requirements of bank access, it's no use looking for an intermediary! And most importantly, the intermediary will charge you a handling fee of a few percent of the loan amount. In fact, they just help the bank to review in advance. If you meet the requirements, then they will push you to the bank. If your qualifications are slightly worse, they will push you to a small loan company and even make online loans for you. To put it bluntly, the intermediary just knows more about the access conditions and policies of different banks than you do! There will be no so-called internal channels and special measures.

This question is actually very simple.

Intermediaries deal with banks every day.

There are many channels in hand to know the loan products of various banks, know what qualifications can be used to make loan products, and what products this customer can make are most suitable for this customer (the loan amount is met and the interest is the lowest). This is the advantage of intermediary.

But the intermediary charges a service fee.

Individuals usually look for the counter when they go to the bank. Even if you find the loan department of a bank, you can only get the loan products of this bank. Whether it suits you or not. No one knows this.

The difference between a bank and an intermediary,

First, the products introduced by intermediaries are mostly small loans and institutional loans, which are of great benefit to them.

Second, the general intermediary of banking products is unwilling to do anything except mortgage loans.

Third, they know the vast market and can give you a solution according to the amount you want to borrow. But there is no guarantee that it will be completely done.

It must be the intermediary who mainly brings you money, and he has to charge a handling fee.

Go to the bank for a loan yourself

First, the mortgage bank will give priority.

Followed by policy loans.

Finally, your qualifications are very good, and the bank will recommend their products that suit you.

The bank loan focuses on exchanging chips. Can he get it back if you let it out? The advantage is that there is no service charge and the interest is relatively low.

If you start your own company, it is recommended to walk on two legs and contact the intermediary, but you should hold back and don't do it with them first. Just sit down and communicate with the bank to apply. If you can't do it, you can let the intermediary do it again!

First of all, it depends on the customer's own situation. If you don't want to spend time and energy to consult the bank, the loan cost will be higher than that of the bank. Because the profit of loan intermediary companies either comes from the information asymmetry between banks and users to earn commission fees, or the intermediary develops loan products similar to banks, and the interest is higher. At this time, the intermediary is not completely an intermediary, but more like a financial institution. However, the customer's handling process is simple and convenient, the service is better than that of the bank, and the time and energy cost of the customer is low.

Secondly, if customers are willing to spend time and energy to consult the bank, the bank can provide loans to qualified customers without charging any fees and enjoy lower loan interest rates and rates. Personally, I suggest that customers who have time and energy go to the bank to handle it. Of course, customers who don't meet the bank access conditions should simply find an intermediary instead of running away, and the industry has a specialization!

Looking for a bank by yourself will generally not be accepted, and even if the information you provide is accepted, you can't take a vacation. The process is cumbersome and it is not smooth to run many times.

Intermediaries can help pack, guarantee, save trouble and relax themselves, but they have to pay for themselves. If Xiao Bai finds an unreliable intermediary, he may be miserable.

Xiao Bai's suggestion: Ask several agents more, and then talk about the cost if you think it is possible. Since you are a rich God, you should spend this money if you want to enjoy God's due service. After all, time is money.

1. Many channels

The loan intermediaries basically know all kinds of local loan channels and are familiar with the products and requirements of various lending institutions, so they will find suitable channels to apply according to the actual situation of borrowers, so that the probability of loan passing can be greatly improved.

Understand the market

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.

3. Will guide

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 and submits the materials, it may not pass. Loans also need to master certain skills. In terms of the use of loans, general banks have strict restrictions on the use of loans. If the borrower fills in according to the actual use, once it does not meet the requirements of the bank, it will be refused a loan.

4. High efficiency

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, the need to submit it many times, 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. 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.

Second, for lenders,

1, loan amount

Go to the loan yourself: the amount is low.

There is intermediary help: the amount is higher.

Some customers think that the amount given by the bank is actually similar, and the amount of customers with the same conditions should be the same. In fact, some customers have the same conditions, but the loan amount is very large. Why is the gap so big?

The reason is that the person who went to borrow money himself found a state-owned bank and then did it, while the person who found an intermediary compared a number of banks according to his own conditions, and finally chose a joint-stock bank that was most suitable for customers, with a result of more than 500 thousand.

This is the advantage of intermediary: mastering more channel resources can make the best choice.

2. Loan interest

Get a loan yourself: the interest is higher.

With the help of an intermediary: low interest.

Is there any difference in loan interest? Isn't the bank's interest uniform? Some friends may have such questions when they get a loan for the first time. In fact, the benchmark interest rate of banks is set by the state, but it is very practical.

Is it reliable for intermediaries to assist personal bank credit loans?

Intermediaries assist individual banks to make credit loans. This kind of behavior does exist in real life. If it is not reliable, it varies from person to person. Some intermediaries do have this ability and can improve your credit rating in various ways. It will be more convenient to borrow money at the bank, and even the interest rate will be lower. However, there are also some black intermediaries who do things without money. Let's discuss whether such behavior is reliable today.

First of all, I don't recommend this method.

If you want to make a credit loan, you should first consider your repayment ability. If your repayment ability is weak at this time, it is not recommended that you refinance and increase your debt, and sometimes the loan interest rate is very high, especially for credit loans, which far exceeds the secured loans such as mortgages. If you really have a problem, you can ask your friends and relatives first. After all, their interest rate is lower than that of banks.

Second, why not choose such an intermediary?

As I said at the beginning, this market can be said to be mixed, with all kinds of intermediaries, but there are also many black intermediaries. They have no specific ability to do things. They just know some bank procedures, run errands for you, and then charge high fees. Some people can actually apply for a credit loan in the bank themselves, but they keep saying that they can get a lower loan interest rate, but in fact it is their handling fee and the bank's preferential treatment.

Third, how do you view such a business model?

For such a business model, in fact, many people are not familiar with some policies given by banks, which leads them to find loopholes. If you really want a loan, or if there is a loan demand in your daily life, you can take the initiative to find a bank by knowing the latest loan policy of the bank, not through the bank.

How do real estate agents charge for helping customers with bank loans?

The fees charged by different institutions are different and can be negotiated.

General loan fees are not charged directly by intermediary companies with customers, but through so-called guarantee companies. Actually, it's the same. Larger intermediary companies have departments dedicated to helping customers with loans, and small companies cooperate with guarantee companies to establish separate accounts. Usually the guarantee is 3:7, and the intermediary is 7! Some even charge more. This is the price you pay for bargaining on the agency fee!

Extended data:

The fee of the loan intermediary is charged to the customer. At present, the whole loan intermediary industry is not standardized. Loan intermediary companies need to survive, and bosses and employees need to make money. They have a natural motivation to make excuses and charge fees through various new terms. At this time, there will naturally be some problems:

1, one is to charge according to the loan amount.

For example, he will tell customers that 65438+ 10,000 yuan will receive 3%,10-300,000 yuan will receive 2%, and more than 300,000 yuan will receive 1%.

2. Tell customers that if they have good credit, they will charge less, and if they have bad credit, they will charge more.

Why?

Because the credit information is good, the intermediary will give less information to the customer, so its own cost will be low.

If the credit information is not good, the intermediary will give more information to the customer and its own cost will be high.

Charge standard of intermediary loan

Intermediary loan service fee, to put it bluntly, is the loan service fee. Different loan service fees have different intermediary service fees, some of which are charged according to the loan amount, such as a loan of 300,000 yuan. There is a handling fee of 3000 yuan, and there is a one-time charge, which means that no matter how much the loan is, there is a one-time charge. Of course, this fee depends on the communication between the intermediary and the customer, and can also be reduced appropriately. Now the intermediary loan service fees are set by the intermediary itself, and there is no standard in the country.

Housing agencies can charge a certain loan service fee, which is regulated by the market and set by each agency. On this basis, property buyers can shop around and choose by themselves. However, the contract must be signed on the premise of mutual consent. When providing this service, the operator shall not force consumers to accept the service, but shall fulfill the obligation of informing in advance and make clear the subject, content and amount of charges.

It should be noted here that when an intermediary company collects an intermediary fee, if it has promised you that the fee includes transaction, registration and mortgage services, it should not charge a loan service fee.

This is an intermediary bank loan and loan intermediary company launched at the end of the year. I wonder if you have found the information you need?