First, understand the market.
There are so many banks in the market that each bank has several kinds of loan products. Ordinary borrowers know little about the interest, repayment methods and required conditions of loan products. If they apply blindly, it is likely that the loan will be rejected, the matching amount is too low, or they can apply for lower interest. On the contrary, as loan intermediaries, they have a thorough understanding of all kinds of loans in the market, and can better provide more professional advice to borrowers and find the most suitable products for borrowers.
Second, high efficiency.
Many borrowers go to the bank to apply for loans themselves. First of all, they don't understand the application process and related materials. They often run twice or three times. Either the materials are lacking or the submitted materials are not standardized, which wastes both time and energy. And many times you are not a big customer, you will feel the influence of the banking manager, and feel that your conditions are almost ignored, and you will be ignored. Many times when the information is submitted, the bank will delay your loan and keep you waiting. It may not be possible for a month or two!
At this time, if there is a loan intermediary, the situation may be very different. First of all, they are very familiar with the application process and the required materials, so they will let you prepare all the materials in advance and submit them at one time to avoid running back and forth to make up the materials; Secondly, loan intermediaries often have a good relationship with bank personnel. They can help you urge banks to give you loans first, which greatly improves the efficiency of lending!
Third, professionalism.
Loans also require certain skills. Many banks are very strict in reviewing loan applications, and they are very strict in controlling their own conditions, the use of funds and the application channels. If the borrower does not understand the bank's auditing standards and specific access conditions, and directly fills in the information according to his own actual situation, he may not even pass the system approval! Although sometimes the bank loan manager wants you to bring it down, they can't remind you directly because of compliance. But if you look for a loan intermediary, they are very familiar with the matters and norms that should be paid attention to and will explain them to you in advance to avoid some unnecessary twists and turns!
Fourth, personal connections. As we all know, everything in our country is inevitably about personal connections. As mentioned above, when we ordinary borrowers apply to the bank, they may be ignored and ignored by the bank! This is not just a question of efficiency!
Many times, the customer's loan application has passed the system of the head office, but it still can't pass the branch or branch. Sometimes this is an example of letting go. If there is no loan intermediary to communicate with it, it is likely that it will not let go! In addition, the loan products that some older customers want to apply for may be a bit risky, and banks may not be willing to do it, which also requires loan intermediaries to communicate with banks! Many customers know the bank clerks themselves, but only each other. However, loan intermediaries all know the bank president, and the president is also the leader in charge at worst, and they all have business relations and cooperation. The gap is not too big.
To sum up, leaving professional things to professional people can not only save your time, but also save your money and concentrate on your big career! Of course, whether you handle it yourself or entrust an intermediary company, you should sort out your own conditions and shortcomings in advance, show that you know your own needs, accept interest rates, and choose the right scheme according to your own needs!