To put it simply, the job of online loan intermediaries and loan officers is the same, that is, to help customers make money and get commission. The difference is that the loan officer works in his company and gets a salary of 8,000 to 12000 a month. Online loan intermediaries do it themselves, and their income can be freely controlled.
The operation of this industry is very simple. Two people start a business, if you start the capital, four or five thousand will do. Rent a room, print out leaflets like small advertisements, and don't be stingy with publicity. Later, customers will automatically ask you to do related loan business. As long as you can brag, you can send some inducing messages in the circle of friends anyway, but you need to be clear about what kind of people can apply for the exam.
At the higher end, people with brains began to promote the current Internet platform. Some capable people set up a special opening for others, that is, how to raise credit cards, how to apply, and what people with different qualifications recommend to him. Set up a website and share a few posts for ten or twenty minutes every day. If someone applies, you will make money.
Whether this industry can really survive and earn money with poor information, you can't have a conscience to do this!
Finally, a few digressions are also aimed at some people who have just come into contact with this field. Anyone who doesn't see the money and collects the upfront fee is a liar! For whatever reason. Remember! Don't look for an intermediary loan online unless you have to. This business is too messy and swindlers are rampant. Because the loan needs your full set of personal information, your information is likely to be sold! Credit information was squandered, even the loan was taken by others, and finally you took the blame! This is not an alarmist!
Now that the state is governing online loans, many institutions have been revoked their authority, turned into loan-helping products, and started to act as intermediaries. Think clearly if you want to enter the market. If you are a lost person still in the water, don't touch these things, because you will find that the money you earn will never be worth the money you owe! Spend as much as you earn!
How did the loan broker do it?
Lending treasure intermediary is to develop a fixed source of customers, and then offline, for example, lending treasure as an online loan company is willing to lend money to customers, and then the intermediary earns information fees or price differences.
Like loan officers, the online loan intermediary of Lending Bao helps customers to make money and get commissions. The difference is that the loan officer works for the company. If he does it himself, he works for himself. The income is his own decision, and he can also do multi-channels. In fact, online loan intermediaries do not make money by so-called technology. More precisely, they rely on poor information.
Nowadays, information is money. To put it bluntly, there are many online loans to borrow. Because intermediaries are well-informed and know a lot in the circle, there are naturally many ways to help people borrow money. Affected by the rise of online lending, many offline traditional loan officers began to be confused and seek transformation. But online lending must be a good way. Because the purpose of online lending itself is to directly face the end customers. Credit giants such as Ping An CreditEase have begun to transform online lending because online lending is more efficient and the cost of expanding customers is lower. The purpose of online lending is to eliminate the intermediate link between loan officers and intermediaries. Undoubtedly, the online loan model will become the mainstream model in the future.
1, loan amount. Many friends hope that the higher the loan amount, the better. But they don't know that the loan is determined by your own conditions. After accepting the loan application, the lending institution will review the materials submitted by you, evaluate your credit, age, occupation, assets, income, marriage and mortgage, and finally get the loan amount. Among them, account flow, credit, work and assets have great influence on the final quota. Due to the different risk control, policies, products and processing time of various lending institutions, the amount assessed by different institutions in the same situation is quite different or small. Just like we apply for credit cards, we apply for five or six banks, some with more banks, some with fewer banks, and some don't even approve credit cards. Therefore, many professional intermediaries can make some relevant plans according to the different mechanisms of these lending institutions to ensure that your loan amount is maximized. But pay attention to some black intermediaries who cheat lenders with high-limit signs.
2. Term of the loan. The loan term is mainly determined by the product. For example, the longest term of housing provident fund loans is 30 years, and you can't apply for 35 years. Of course, you can decide the application time within the range of meeting the product requirements, such as 1 year, 2 years, 10 year, etc. For a loan with a fixed amount, the longer the loan time, the lower the repayment amount and the less the relative pressure. There is a basic principle in the choice of loan term, that is, to control the economic scope. In order to repay the mortgage and car loan in advance, some friends will have a short repayment period and put too much pressure on themselves. So choose the right loan term for yourself, instead of blindly obeying others.
How to make money as a loan intermediary?
First of all, we must understand that no industry can make money from the beginning. It is even more difficult for loan intermediaries to deal with money. It takes time to accumulate experience and customers before you can start making money. Moreover, loans are not as easy as before, not only because of the negative news in previous years, but also because of the low employment threshold and more money earned after familiarity, so a large number of people poured in and the competition became more and more fierce.
If you only rely on traditional intermediary practices, you may only be able to support yourself. If you still have a family, it may be a little difficult. So change it. Either you become your own boss, or you upgrade your way of getting customers (now the state's supervision of electricity sales is getting stricter and stricter, and the effect will definitely be greatly reduced), or you change careers.
This is my personal opinion, please treat it as appropriate.
Let's talk about how online loan intermediaries make money.