Compared with everyone, we have experienced the situation in which the intermediary charges fees in handling mortgage loans. Those people will wear formal clothes and sit in the sales hall of the developer, which will make people mistakenly think that they are bank staff. In fact, there are many routines.
Say something with the income certificate first.
In fact, as bank account managers, they need to protect their careers, so they generally dare not touch the issue of principle. For example, professional certificates, they will check your income certificate according to the most standard bank audit process, such as telephone verification, telephone verification, sorry, there is really only telephone verification, because there are too many real customers, and there is no way to go to the unit for verification. So as long as the income certificate you provide is true, it is generally no problem unless it is audited as false. General intermediaries will talk about proof of income. The estimated price of each income certificate is around 300 to 800 yuan. In fact, this cost can be saved!
Second, talk about the running water of the bank.
In fact, it is so easy for bank personnel to identify the authenticity of bank running water! You can tell the truth at a glance. Some intermediaries will say that your running water is not enough. Pay! Help you solve it. In fact, the bank running water is to assess the family running water. As long as it can prove that it is income, it can be recognized. Moreover, under some relaxed policies, banks will be exempted from providing bank running water. Generally, the range of free running water is 3500-5000 yuan (monthly mortgage expenditure). Of course, this must be the time when banks have such policies. They will lie to help you solve the problem and ask for a fee ranging from 500 to 3000 yuan.
Third, talk about things with credit information.
As explained in the last article, this standard is more flexible. If you find such a problem, you should communicate directly with the bank staff. However, it should be noted that if the intermediary says that it is a fool to show proof of non-malicious arrears, it is a certificate that most banks have not issued for a long time.
In a word, please believe that most bank employees have professional ethics, but most intermediaries will mislead you. I hope you can keep your eyes open and avoid unnecessary expenses.
If you have specific questions, you can pay attention to Bian Xiao and refer to Bian Xiao's previous article on matters needing attention in mortgage.
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