Because the bank audit is strict, if you make a mistake in a certain detail, 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.

1. Many channels

The loan intermediaries basically know all kinds of local loan channels and are familiar with the products and requirements of various lending institutions, so they will find suitable channels to apply according to the actual situation of borrowers, so that the probability of loan passing can be greatly improved.

Understand the market

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.

3. Will guide

Loans can't be applied immediately if you want to apply, especially bank loans. The requirements for the borrower's audit are very strict, including the purpose of the loan, application filling, material preparation and so on. If the borrower does not understand the auditing standards and access 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. In terms of the use of loans, general banks have strict restrictions on the use of loans. If the borrower fills in according to the actual use, once it does not meet the requirements of the bank, it will be refused a loan.

4. High efficiency

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, the need to submit it many times, 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. First of all, the loan intermediary knows the materials needed for the loan and the handling process, so the borrower will prepare and submit the materials at one time to avoid running back and forth to supplement the materials; Thirdly, the relationship between loan intermediaries and banks and other lending institutions is relatively in place, which can urge banks and other lending institutions to give priority to your loans, greatly improving the efficiency of loans.