Since the intermediary can handle the loan, there is no problem with your qualifications. Only one thing can be said, that is, your understanding of loans is not thorough enough, and the information you provide does not meet the standards of credit audit. If you want to apply for a loan, you need to do a good job in the selection of banks, the selection of credit products and the preparation of application materials.

Then why do people with the same qualifications, some people give credit of 300,000 to 400,000, and some people give credit of1more than 0,000? This is because each step takes a different path and leads to different results. So relatively speaking, the intermediary is specialized in doing this. They know every credit product of every bank, and they can screen out the loan products that are more suitable for you according to your situation.

At the same time, there is another important step. The information is perfect, and the intermediary knows more about the application conditions of each bank. When a piece of information is given to the intermediary, they can quickly judge the qualification level, what information needs to be supplemented, whether it needs to be online, whether it is a commercial bank or an agricultural bank, which will affect the final credit approval and quota evaluation. Therefore, the information you have determines your position. Ordinary people will not put all banking policies and loan products on one loan.

But the intermediary is specialized in this, and the intermediary can, so this is the reason for paying the intermediary fee. They can do things you can't.

The second is the lack of resources.

A truly powerful intermediary grasps not only methods and policies, but also resources, and resources are the most valuable things. They have a special internal channel for docking, which you can understand as opening the back door. For intermediaries with resources, as long as you have this resource, a signature can be done. As for the information, this time it became a trivial matter.

Third, the interests are poor.

Credit experts prefer to cooperate with mature institutions. On the one hand, it is easier to get loans. Intermediaries will provide them with a steady stream of customers. Intermediaries have screened out customers with poor qualifications in advance, and the materials that ordinary customers should prepare are ready, which is more convenient for bank operators. On the other hand, it is rebate, which is important enough. The same loan, agency fee, insurance premium, handling fee, access fee and expedited fee, is not only in the pocket of the intermediary, otherwise, why do you think that the individual can't do it, but the intermediary can?