First of all, I want to say that the existence of loan intermediaries must have its rationality. There are a large number of loan intermediaries in the market, which shows that many people have demand for loan intermediaries.

There are more loan intermediary 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 after being introduced by acquaintances. Sometimes, after running away from one or two banks, I feel that all banks are the same, and this bank can't lend, which means that other banks can't lend either, and then give up loans or switch to other private lending companies.

At this time, the result of having a loan intermediary is different. 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.

Loan intermediaries know more about the loan 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.

The loan intermediary can guide you to apply correctly.

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 fails to meet the auditing standards and conditions of the lending institution, and honestly fills in the application and submits materials, it may not pass.

To tell the truth, loans also need to master certain skills. Take the purpose of the loan as an example. 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. Sometimes, although bank account managers also hope that customers can get loans, they dare not remind customers of violations.

But having a reliable loan intermediary is completely different. People in loan intermediaries and lending institutions are familiar with the various requirements and processes of loans, so they will guide customers to apply correctly, what to say, what not to say, and what materials to prepare. They will communicate with customers in advance and try to make their conditions meet the requirements of lending institutions.

Loan intermediaries can improve loan efficiency.

If the borrower is not familiar with the loan process and applies for it himself, you will find all kinds of troubles. For example, the materials do not meet the requirements, and it takes a lot of time and energy to go back and forth. Also, if you are not a big customer, banks and other lending institutions may delay your loan and keep you waiting. These troubles can only be felt by those who have applied in person.

If there is a reliable 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.

What are the benefits of finding an intermediary with a loan? There are many benefits.

Nowadays, many people are under great pressure and want to borrow money when they are in urgent need. There are two ways to borrow money. One is that the lender directly applies to the lending institution, and the other is that the lender finds an intermediary to match the loan. Compared with the first method, the advantages of intermediary obtaining loans are obvious and there are many benefits. Let's have a look.

First, what are the benefits of finding an intermediary with a loan?

1. You can choose more loan channels:

Intermediaries have been dealing with banks and financial institutions all the year round and accumulated a certain number of contacts. They are also familiar with the loan policies, crowd orientation, application thresholds and interest rates of various lending institutions. As long as they look at the basic information of lenders, they can match them with suitable lending institutions according to their qualifications.

2, improve the loan success rate and amount:

Many lenders blindly apply for loans, or are rejected by institutions, or the amount of loans they apply for is far lower than their expectations, but if they find an intermediary, they can get a better solution.

After all, loan intermediaries are well versed in the loan handling process. They can guide lenders to give full play to their qualification advantages and foster strengths and avoid weaknesses. For example, if the debt is high, you can prepare some asset information in advance, such as automobile production and real estate, to prove your repayment ability, which will help improve the success rate of loans and the amount of loans.

3. Improve loan efficiency:

Many people go to lending institutions to apply for loans themselves, and often go back and forth because of insufficient information submitted. However, if you find an intermediary, it will be different. They will tell the lender the information needed for the loan, so that the lender can prepare it at one time. If you need supplementary information, just hand it over to the intermediary directly, which saves you the time of running errands and even allows your loan to be approved first.

Second, the loan to find an intermediary to charge:

Although there are so many advantages in getting a loan from an intermediary, it is not free.

But from a legal point of view, it is legal for intermediaries to collect fees because they have paid their own labor. Generally speaking, it is normal for the intermediary to charge a handling fee of 3- 10, which is also determined according to the city and personal qualifications of the customer.

In short, it saves time and effort to find an intermediary for loans, which helps to improve the success rate of loans and avoid many risks, but before that, you must ask clearly what the handling fee the intermediary will charge.

Why can I get a loan through an intermediary?

Loans can be handled by intermediaries because intermediaries often deal with lending institutions, have a clear understanding of the thresholds and preferences of lending institutions, know what kind of information is easier to submit, and provide more accurate solutions to some common problems, so there are intermediaries to help with loans.

The pass rate will still be relatively high. However, don't think that the intermediary is omnipotent. The role of intermediary is actually to help lenders optimize their credit. However, if the lender's credit conditions are seriously insufficient, such as black households, the intermediary has no choice.

What loan intermediaries are there?

The flow from customers to financial institutions can include at most three types of intermediaries, namely, customers, brokers, distributors, lending institutions and financial institutions. Loan intermediaries are mainly divided into the following types:

1. loan broker.

Loan brokers are usually intermediaries. They just introduce customers to financial institutions. Their job is easy to understand, that is, to introduce successful institutions to borrowers through their qualifications and credit status.

However, this market is chaotic, and many loan brokers may have a one-shot mentality, so sometimes the service fee is as high as 10%.

2. Product distributor.

Channel dealers and financial institutions usually have formal cooperative relations. In the process of becoming an institutional channel provider, it is generally necessary to pay a deposit to financial institutions. The main purpose of paying the deposit is to bear the responsibility at the bottom, and also to avoid the risk of fraud.

The threshold for becoming a channel provider is actually not high. You only need to register a company and then pay hundreds of thousands of deposits to financial institutions. Under normal circumstances, you can be shortlisted.

3. Lending institutions.

Lending institutions are very different from the first two categories. They don't live by the so-called information gap, but by product design and customer acquisition ability.

Because traditional banks are not doing well in the field of small and micro businesses, they cannot reach a large number of small and micro customers in a low-cost way. Lending institutions can give full play to their advantages in this area, which just makes up for the shortcomings of financial institutions.

Why do some people have to borrow money through an intermediary?

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!