If you have enough time, you can ask directly at the bank. I have been to more than 20 banks, and different branches of the same bank will also ask.
If time is not enough, you can go through a loan intermediary. I won't write the company name here. I think people have a fatal misunderstanding, which is to recognize the company brand. In fact, the brand has little meaning. In this industry, the account manager is the most critical. The job of the account manager is to facilitate the issuance of loans. Naturally, the company will not take care of it, but is the account manager professional? Are you responsible for your customers? Have you fully considered the interests of customers? That's not necessarily true.
The commission of the account manager comes from the performance. Because he is responsible for his salary, he will naturally recommend you the easiest loan and the highest amount. As for interest, is it high? Is it stressful? That's your business.
Finally, it is suggested that:
① Do more accumulation at ordinary times, and be sure to learn credit information, interest rate knowledge and interest rate calculation (IRR formula);
2 Never overdue, use an APP to manage the repayment bank. Capital accumulation starts with the simplest credit card, and learn more common sense of xyk;
3 Non-bank financial institutions (a letter, a flower) try not to use small loans, the interest rate is high, and banks are disgusted. Later, I made a bank loan and found that small loans would also be affected;
If you have to go through an intermediary, you must shop around (account manager). The more comparisons, the better. Usually, you can add more WeChat, pay attention to their circle of friends, and learn about the recent loan products, and what style people are. Then choose the one with the lowest interest rate and the lowest agency fee. It is best to find an intermediary who can agree to pay the commission after the loan and not pay any deposit in the early stage.
Although online promotion is well done, it is only someone who is finally implemented. Everyone has selfish desires and everyone is greedy. The position closest to money can expose human nature best.
There are loan intermediaries everywhere, but few can really provide consulting services, and the agency fees are unsupervised. I believe there will be a clear day in the end.