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 charge a handling fee.

But there are many such companies and many informal companies. For example, charging fees and planning for customers. A loan company must have an actual office address and the office should be official. A loan assistance company without an office address may be a fake loan assistance company. The loan assistance 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 lending company are standardized and whether there are loopholes in the contract. Regular loan-assisting companies only charge fees after the loan is successful, and do not charge fees if it is unsuccessful

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Repayment method:

(1) Equal repayment of principal and interest: that is, equal repayment of the sum of principal and interest of the loan on a monthly basis. 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 repayment method in which the borrower evenly distributes the loan amount to each period (month) during the whole 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) monthly repayment of principal and interest and due repayment of principal: that is, the borrower shall repay the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan shall bear interest on a daily basis and be repaid on a monthly basis;

(4) prepayment of part of the loan: that is, the borrower can prepay part of the loan amount by applying to the bank. Generally, it is an integer multiple of 1, or 1,. 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. Not exceeding the original loan term

(5) prepayment of all loans: 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.