These intermediaries are unreliable. I suggest you apply for a loan through regular banking channels.
It is really difficult for small and micro enterprises to apply for loans, and this situation has been going on for a long time. With the further adjustment of our financial measures, it will be easier for small and micro enterprises to apply for loans in the future, which will further help small and micro enterprises grow. To some extent, it is precisely because it was not easy for small and micro enterprises to apply for loans before that they went to a loan intermediary. There are many routines for loan intermediaries. Personally, it is not recommended to go to a loan intermediary.
First, small and micro enterprise loan intermediaries are generally not credible.
The reason for this is that there are many routines in the loan field itself. Unless you apply for a formal bank loan through bank channels, other loans will basically have a certain discount. Although the threshold of loan intermediary seems particularly low, it means very high annualized interest, and sometimes you will be familiar with the extra service fee. For small and micro enterprises, their cash flow is very tight. At this time, they should apply for formal loan products.
Second, the loan intermediary contract may be irregular.
If you apply for a formal bank loan from a bank, no matter whether you apply for a credit loan or a mortgage loan, the bank loan contract is very formal, so you don't need to worry about being cheated. However, if you find a loan intermediary, the activities given by the loan intermediary will generally have various routines, and the contract will not protect the borrower. You must pay attention to this problem.
I suggest you apply for a loan from the bank.
As I said above, it is really difficult for small and micro enterprises to apply for loans, but now more and more banks are beginning to relax this condition and further increase the credit line of small and micro enterprise loans. If you have a good personal qualification, you can apply for a formal bank loan with the relevant income certificate of the enterprise. The purpose of small and micro enterprises applying for loans is development, and they must not be bound by the problem of loans.
What is a loan intermediary?
Loan intermediary originated from the information asymmetry between borrowers and borrowers. Therefore, the main reason why loan intermediaries can exist is that the information of borrowers and lenders is inconsistent. Among them, loan intermediaries are divided into three categories: 1, loan brokers; 2. Product distributor; 3. Lending institutions
First, the origin of the loan intermediary
Loan intermediary can be said to be an industry that is currently at the forefront. This seemingly low-end industry does not require high academic qualifications and high professional skills, but there are indeed many people in this industry who earn money. For example, helping borrowers apply for a loan of 500,000 yuan, the agency fee is 4 percentage points, and the income in just a few days is as high as 20,000 yuan. It is also profiteering that has spawned many industry chaos, such as opaque charging prices, price increases in the middle, and buying and selling customer information. Let this industry gradually stigmatize.
Loan intermediary originated from the information asymmetry between borrowers and borrowers. On the one hand, there are many bank loan products, and even the interest rates and requirements of different branches and sub-branches of a bank are inconsistent, so it is difficult for ordinary borrowers to find suitable loans from financial institutions in a short time. On the other hand, due to cost control and lack of direct customer acquisition ability, financial institutions are highly dependent on loan intermediaries to acquire customers in personal and small and micro enterprise loans. Therefore, the main reason why loan intermediaries can exist is that the information of borrowers and lenders is inconsistent.
Second, the classification of loan intermediaries.
There can be at most three kinds of intermediaries from customers to financial institutions: customers-brokers-dealers-lending institutions-financial institutions (real investors).
1, loan broker
A loan broker refers to an intermediary who simply introduces customers to financial institutions. Their role is to introduce borrowers to institutions that can borrow money according to their qualifications and credit status. When customers lack information or the conditions do not meet the requirements, they will also help customers create some false information. The profit model of loan brokers is to charge customers loan service fees (intermediary service fees, consulting fees, etc.). ), often 2%-4% of the loan amount. However, this market is chaotic, and many people's mentality towards customers is a one-shot deal, so many intermediary service fees are as high as 10%.
2. Product distributor
Channel dealers and financial institutions usually have formal cooperative relations. When they become financial institutions, they often have to pay a deposit to finance and bear the responsibility at the bottom. This is to provide false information for channel providers, jointly provide customers and prevent fraud risks. At the same time, financial institutions need to return commissions to channels, and commissions are also the main income of channels. The threshold for becoming a channel provider of various financial institutions is not high. As long as you register a company and then pay hundreds of thousands of deposits to financial institutions, you can generally be shortlisted.
3. Lending institutions
Lending institutions are very different from the first two types of loan intermediaries. Lending institutions do not rely on poor information, but on product design and customer acquisition ability. The reason for this is that traditional banks do not do well in the field of small and micro business, because banks do not attach importance to it, because small and micro spend energy, but the amount is small, so they do not make big assessment indicators. In addition, the bank's own ability is insufficient to contact and serve a large number of small and micro customers in a low-cost way.
Is the loan intermediary reliable?
As a practitioner in the loan industry, let me talk about my personal feelings.
In the industry of loan intermediary, loan intermediary is similar to real estate intermediary. They all hold the priority information of the industry and earn money for information recursion and resource allocation.
Generally speaking, real estate agents and loan agents are sales, but real estate agents sell houses, loan agents sell money and bank money. You can accept a real estate agent because it can really help you buy the house you want in a short time. Because you save time and energy, you are willing to pay part of the agency fee.
However, many people have different views on loan intermediaries. People subconsciously start to reject loan intermediaries, because people think they often deal with banks, so why do they ask people to help them with loans? In addition, many loan intermediaries are unwilling to tell the truth and have no good communication with customers, which leads to worse customer credit information and no loans, which leads to more and more people not recognizing this industry and even getting tired of the idea that loan intermediaries are liars.
I'm not trying to correct the name of this industry. There are too many fried dough sticks in this industry. I just want to write out my truest feelings for everyone to see, so that everyone can have an objective understanding of this industry, rather than blindly denying it. Let's compare real estate agents and loan agents. You usually don't have time to know so many properties. You often go to the bank to deposit money, and subconsciously feel that you are in direct contact with the bank and don't need a third person to dock. But you don't know that there are many banks in a place, and each bank has many loan products, and each loan product has different requirements for customers. Just like you want to buy a house with good ventilation, convenient transportation and beautiful scenery, but you don't know enough about the real estate in this city. What should you do? You will consider looking for a professional intermediary.
Is the loan intermediary company reliable?
1, because the bank's audit is strict, if you make a mistake in some details, you won't get the loan, and only the intermediary company will guarantee you. Furthermore, intermediary companies are familiar with the loan business of each bank and can provide you with more suitable loan business, otherwise you have to ask one bank after another. Finally, some loan business procedures are complicated, banks will not do it, and they will do it directly to intermediary companies.
2. 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.
3. 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.
4. Loans can't be applied immediately if you want to apply, especially bank loans, which have strict requirements for the borrower's review, including loan purposes, application filling, material preparation, etc. If the borrower does not understand the auditing standards and conditions of the lending institution, and honestly fills in the application and submits the materials, it may not pass. Loans also need to master certain skills. As far as the use of loans is concerned, ordinary banks have strict restrictions on the use of loans, and once they do not meet the requirements of banks, they will be refused loans.
5. If you are not familiar with the loan process and apply for it yourself, you will find all kinds of troubles, such as the inconsistent materials, which need to be submitted repeatedly, and it takes a lot of time and energy to run back and forth. If there is a loan intermediary, the situation may be greatly improved.
Of course, looking for a loan intermediary also needs to pay attention to these three points:
1, pay attention to find a reliable intermediary company, run more, and don't be afraid of trouble.
2. See if his formalities are complete and his documents are complete.
3. Don't be greedy for low agency fees and believe that they can apply for loans with lower interest rates.
Are lending institutions reliable?
Formal loan intermediary and bank cooperation are more reliable. Loan intermediary or amount intermediary service is aimed at small and micro enterprise customers and individuals. Many borrowers don't know much about products and loans and need an intermediary to introduce and facilitate transactions. The loan intermediary will undertake the bank's loan service and be responsible for customer marketing, data collection and simple evaluation, which greatly saves the bank's work energy. There are many lending institutions in the market, including banks, each with different application thresholds. If this one doesn't meet the requirements, maybe the other one can 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. 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.
If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
I know many small loan companies. Generally speaking, Baidu has the highest pass rate. The credit line is the highest. Nothing gave me a credit line of 9.5W My colleague directly approved a credit line of 18W.
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What is a loan intermediary?
Loan intermediary refers to cooperation with banks. The main body of the loan is the bank, and the intermediary helps you find the most suitable product in the fastest time, and collects a certain handling fee from it.
The loan intermediary exists as a turning interface that transforms the unified interface of the bank into a variety of customers. It is more like a microchannel that flows into the borrower's market.
Loan intermediaries mainly provide loan guarantees for small and medium-sized enterprises, including enterprise liquidity loan guarantees and personal business loan guarantees. , and can also provide investment and financing guarantees, performance guarantees, etc. The enterprise needs to provide the information required by the guarantee company, and the guarantee company will evaluate its solvency.
1. Is the loan agency fee legal?
Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises stipulates that the state encourages all kinds of social intermediary agencies to provide small and medium-sized enterprises with services such as entrepreneurship assistance, enterprise diagnosis, information consultation, market consultation, investment and financing, loan guarantee, property right transaction, technical support, talent introduction, talent training, foreign cooperation, exhibition and legal consultation.
Therefore, as long as the loan intermediary does not engage in illegal loan fraud and the service fee does not exceed the standard, then the law is allowed. Some borrowers consult loan procedures and processes in lending institutions, and customer service personnel require a 4% service fee. In fact, there are credit managers in the bank who specialize in loans, and there are also expenses for facilitating transactions, which are only included in the loan cost.
2. Why do you want to find a loan intermediary?
Formal and reliable loan intermediaries can help borrowers a lot. The biggest advantage lies in strong connections and rich experience. It can help borrowers analyze their own strengths and weaknesses, recommend suitable products, and inform you of the latest information of various lending institutions, such as which bank has recently tightened lending, which loan products have stopped lending, and which loan interest is the lowest.
When we apply for a bank loan, often a little problem may lead to loan failure. A good intermediary can help you avoid these problems as much as possible.
In short, if you find a good loan intermediary, you can save a lot of things and avoid detours, so it is appropriate to pay a certain service fee, but you must remember to find a formal and legal institution, otherwise you will easily fall into the trap of a liar.