Advantages of loan intermediary: high income and free time.
Disadvantages: influenced by the policy, the work is not decent.
Really, after seven years in the financial industry, I can't find anything wrong except being pointed out by my family that my work is not very good. Income exceeds that of peers by at least 95%. Those who earn more than me are basically people whose work intensity and mental stress are far greater than mine. Looking at the income and happiness index comprehensively, it is not an exaggeration for me to list myself as 1%.
Of course, the biggest problem for newcomers in this line is that they accumulate slowly in the early stage and may earn more money. However, any sales industry is like this, and it is impossible to get off to a smooth start. If so, everyone will do sales.
Sales are bitter before sweet. As long as you get through this difficulty, you will find that there will be a hundredfold return in the future.
Black-hearted financial intermediaries earn more than 10 thousand a day. What do they make money from? Will they dare to find an intermediary in the future?
When it comes to financial intermediary companies, in many people's concepts, they are tall and handsome, with suits and ties and leather collars. With the constant changes in the market, many financial intermediaries become very casual. As long as they have connections and resources, they can be made into financial intermediary companies anywhere.
You borrow money, he makes money, you give interest, he takes profits, the more you borrow, the more he earns.
It is almost common for intermediaries to earn more than 10,000 yuan a day. Maybe after this article is published, many friends of financial intermediaries will attack it. Is it really that easy to make money as a financial intermediary? In financial jargon, if you are not ruthless, you will never make money.
Why is it that the daily income exceeds 10,000 yuan, but why are there still many financial companies delisting and changing careers? The reason is that they committed suicide and went too far. Those very kind financial intermediaries have lived for a long time, some for three to five years, and more for seven or eight years.
What do financial intermediaries rely on to make money?
1, product promotion commission
Simply put, some credit products or financial services are docked through banks or other financial companies or financial platforms, and the products will receive corresponding commissions. When the corresponding product promotion volume or turnover is completed, the product will also be rewarded accordingly.
Promotion commission is an important source of income for many formal financial intermediaries. For example, on 20 17, we received a loan from Ping An Bank for that product, and our company got a 3.2% profit, and the business manager got 0. 1%, giving it to other financial businesses in the market between1.8% and 2.2%.
If you take orders yourself and lend 6.5438+0 million yuan, you can earn 32,000 yuan. If you accept the following business orders, you can earn at least 6.5438+0 million yuan. Maybe you will think that the loan of 1 10,000 yuan is too much. This product is aimed at customers with mortgages, that is, almost all houses are more than one million, and the minimum will be three or five hundred thousand.
I remember the best person who released more than 40 million yuan in three days, that is, took more than one million commissions. At that time, this product was popular all over the country. If it was not strictly controlled at that time, it might be more popular. There is still this product, but compared with then, the profit will be lower and the conditions will be more stringent.
There are still many intermediary companies that can't meet the conditions for cooperation with banks, so they have to place orders through many different APP online loans. In other words, many peers throw orders, and after taking orders, they throw customers to financial companies that their peers can do.
If you are an agent of a loan platform, many people can talk about profits and have fixed orders or points. Many products on the market can be given between 1%-3.5%. As long as there are qualified customers every day, one or two are enough to earn their own money.
2. Customer service fee
Friends who have borrowed money know that if they can't borrow money from banks, they can only find financial companies or financial intermediaries. Although they can get it, they almost always give 3%-8% service charge.
At present, many conscience financial intermediaries are almost between 3% and 6%. There are also many "dirty" financial intermediaries who charge service fees first and then act as agents. The charge should be at least 10%-30, and most of them will be 15%.
Maybe you don't feel much about this number. You gave a simple example. For example, if you can't get a loan from a bank now, you can find an intermediary. The intermediary will let you find a credit report, talk about your conditions, and then make a plan for you. I'll tell you later, you can do it, but you need to charge a 6% handling fee.
What concept? In other words, if you borrow 300,000 yuan, you have to pay a handling fee of 1.8 million yuan. Don't forget, interest is still interest, and the handling fee is paid to their intermediary service personnel. If the interest is one point and eight points, then your monthly interest of 300 thousand is 5400 yuan. If it is divided into three years at most, the interest for 540,036 months is194,400 yuan. Together with the service cost of 18000 yuan, with a loan of 300,000 yuan, the total interest for three years is 2 12400 yuan. you do not get it , do you?
Why do loans always roll up? Why do we always suggest not to support loans with loans? Knowing this data, you will understand why, in the case of default, you should do what you can, and don't rely on loans to support loans.
Many loans are equal principal and interest, not interest first or average capital. Therefore, no matter how many installments you pay, even the last installment, your interest is still so much. Can you imagine what your actual interest is in the last issue? The answer is 64.8%, that is, the principal of the last installment is about 83,334 yuan, and the interest is 5,400 yuan, which is more than that.
The financial intermediary charges you a one-time service fee. Do it if you agree, or do it if you don't agree. If you go back on your word and don't pay the service fee, then they will find other ways to make you more miserable.
At the peak of 20 17 online lending, many online lending institutions received 15%-30%, and I have seen the highest income of 80%. I really don't know what kind of god. Calculated by 15%, if you borrow 65,438+million, then 1.5 million will be gone. In fact, those online loans can be operated by themselves, and many customers are worried that they are not operating well. Of course, they will also have a little professional knowledge, so it is also worth earning for others.
To sum up, many intermediaries charge about 8% service fee, which used to be called agency fee, but later it was unified, so it was called service fee. The bank gives a product to a financial company, and the bank designates the financial company with a service fee of 0.5%, which is not distributed through any counter; Financial companies give this product to intermediary services, and when they take orders, they give them 3% points, and the intermediary receives 6%-8% from customers. This is the service fee they earned. The boss of the finance company gives the manager 0.5%, the company earns 0.5%, and gives the salesman 2% of the reserve price. They go to the docking agency by themselves.
This is a bank product that you can see in an intermediary service company, and the bank does not have this product. Of course, another way is that the finance company entrusts its own funds to the bank, and then the bank releases them as an endorsement guarantee, and the profits are divided equally between the two sides.
Either way, you have to pay for this service. Some service fees are just poor information, and some are a combination of banks and intermediaries. Finance is about information, so if you want to save money with your own loan, you need to know more about this information.
In the loan, if the service exceeds 8%, almost all of them are dirty. Most people who can negotiate their own prices will be between 4% and 6%. After all, the intermediary business is for you, helping you to plan products quickly and solve the financial problem. You should let others earn what you deserve.
3. Expand products or services
Going to a financial company, besides drinking tea and talking about customer service, is just chatting. Every day, different peers come to your door, and the product conditions of each company are different, that is, customers in the same industry will dump orders when they can't do it themselves. This kind of selling order may earn less, but it will be easier for you relatively.
For example, a financial company's reserve price for itself is 3%, and the reserve price for talking with customers is 6%. After receiving such a customer's bid, it can earn 3% profit in the middle. If a customer borrows 500,000 yuan, a single loan can earn 1.5 million, and a single loan can exceed 1 10,000 a month.
Every financial company will have a lot of business people, and there will be several or dozens of bills every day. It is easy to earn more than 10 thousand a day. Even a financial company with only a dozen people can easily achieve this goal.
In addition to throwing orders, there are other extended products. For example, if you apply for a credit card for loan insurance, the customer will help him with insurance planning, card maintenance, payment, repayment, credit investigation, asset planning, valuation, pledge and resale. Finance is not an independent side, as long as it is related to money, it can be related.
For example, a former friend, in addition to loans, each customer also helped them apply for three or five additional credit cards, and then installed a credit card machine. If you apply for a credit card, you can probably get 200-500 yuan. A customer swipes his card on a credit card machine every month. If it is 654.38+ten thousand yuan, then a customer can earn about 100 yuan a month.
Some are black-hearted, and besides these, there will be extra charges for credit cards. The so-called exclusive channel is just a random link on the Internet. I have also talked about those cases about handling credit card charges before, and I want to know more about my articles.
Many people have the habit of borrowing for the first time, and they will borrow for the second time soon. Lack of money is a cycle, and few people come out. This is the so-called lending. In other words, the first time you look for an intermediary, you may look for him again the second time, and the intermediary can earn a second fee in the second service.
The loan industry makes money, there are many lazy people, but many people can't make money. Why? Many people may not understand this, because many loan practitioners make money too easily, so they never consider spending money. Eat and drink every day, ride a bike during the day and go to a bar at night.
Now many loan customers also know this, so they will negotiate with the intermediary to get some rebates. Many people think this industry is very profitable. This year, online lending companies suddenly went to zero, forcing many intermediary companies to withdraw from the market. For those products that cooperate with banks, customers will ask for rebates or reductions.
In addition to the competition from financial peers, there will also be competition from business people of the same company. Therefore, in order to complete the company's tasks and keep their jobs, many business people may even make orders at zero profit and subsidize all profits to customers. It seems that I have made a lot of orders every month, but I have not made any money.
You promise to subsidize your customers, and if you don't subsidize them, customers will expose their business rules, and it will be difficult for this person to get along in the industry. At the same time, this is also a rule prohibited by the company, which will cause bad competition.
After reading these, what do you think of the loan? Do you dare to find those loan intermediaries in the future?
In order to get customers, many intermediaries will take all kinds of abnormal means, preferring not to get them themselves rather than let other companies get them. Therefore, many customers' qualifications are not bad, and most of them are damaged because they have found selfish intermediaries.
A client has a house and a car. Because he didn't understand, he found an intermediary, and as a result, he couldn't borrow100000. He came to me, and I asked him to make a credit inquiry. He was given seven or eight credit cards by the intermediary, and more than a dozen online loans were directly cancelled.
Shanghai loan intermediary income
About 20 thousand or so, there are many people coming in and out of this particularly profitable house in Shanghai, and the agency fee is considerable! Someone earned more than 1000000 a month, which is really amazing! Because the house price is expensive, the transaction price will be high and the commission will be more, so this thing is still quite powerful. Someone earns more than 10 million a month. That's amazing! Because the house price is expensive, the transaction price will be high and the commission will be more, so this thing is still quite powerful. The salary is at least 50 thousand a month, otherwise the salary will not be paid, and it will not be paid.
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