Professional people do professional things. Training and counseling for new customers has become an unshirkable responsibility of loan intermediaries.
When someone needs funds, they can apply directly to the bank and find the account manager of the bank. However, many borrowers are not familiar with the bank's credit policies, credit products and credit processes. There are even many misunderstandings, which usually require repeated communication. Some people may not get a loan after going to the bank many times.
The role of the loan intermediary is to connect the bank and the borrower. They are very familiar with the credit policies, product processes and access conditions of local banks, interpret the application materials of borrowers, assess the risks of borrowers and analyze and interpret credit reports. Many loan intermediaries also have some personal connections within the bank, and the customers they recommend often have a higher pass rate.
To sum up, the role of the loan intermediary is:
Help the bank to conduct a preliminary review of the borrower's information and confirm the borrower's qualification;
Improve the efficiency of loan approval and save the training and counseling of the account manager to the borrower;
Recommend the best loan scheme, the most suitable bank and the most suitable credit product to the borrower;
Save customers' loan application time and cost.
Nevertheless, borrowers should pay attention to two points when seeking help from loan intermediaries:
First, many banks are not allowed to cooperate with loan intermediaries, mainly to prevent illegal intermediaries from helping unqualified borrowers to make false loan application materials and achieve the purpose of loan fraud;
Second, don't blindly believe the promise of the loan intermediary. Be sure to find a more formal local loan intermediary to verify its qualification, strength and credibility. Prevent being cheated. At the same time, don't give your loan application materials (ID card, credit report, bank flow, business information, etc.). ) In the process of loan application. ) to intermediaries to avoid them as borrowers blindly applying for or inquiring about personal credit reports.
Third, don't listen to the loan intermediary to "optimize" or "package" the loan application materials. Once the false loan application materials are found out, the responsibility for loan fraud will be borne by the borrower, with serious consequences.
Related questions and answers: There are so many roadside banks, why do loan customers need to find intermediary companies? Let me answer you.
There is no such thing as looking for an intermediary company for a loan. As long as you have your own conditions, the bank will come to you. Moreover, loan intermediaries are gray, and some practices are not recognized by law.
Many people want to borrow money, not directly to the bank, but to find an intermediary first. I think there are the following reasons:
1, financial business is a professional business. Many people are unfamiliar with it and don't know how to apply, so they go to an intermediary, preferring to pay an intermediary fee for it.
2. Some people know that their credit status is not good, and they can't pass the bank audit, and then the intermediary publicizes there that they will definitely apply, so these people go to the intermediary.
3. Intermediaries are really familiar with bank account managers, which can shorten the time in business application.
4. Banks also need intermediaries. Because the customers recommended by the intermediary to the bank are in batches, the bank saves costs in acquiring customers.
It should be noted that this kind of intermediary is not so-called formal or informal. While invigorating the market, it also brings many problems. For example, defrauding loans, taking bank loans, making false certificates and misappropriating customers' funds. So be careful and don't trust the intermediary easily.
It is good for everyone to know more about bank financing. If you have good credit and meet the requirements, apply to the bank yourself. Is there any trouble?
Banks also need to vigorously explore customers and markets, which is highly sought after for high-quality customers. Maybe you will give you a VIP as soon as you go! Ha ha!
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