Many people borrow money from credit intermediaries, that is, loan intermediaries. Loan intermediaries are institutions and individuals that provide loan services for you. They will choose the right loan channel according to your qualifications and charge a certain fee. However, there are many ways to apply for a loan. You can apply for a loan from the bank by mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.

First, how did the loan intermediary come into being?

When many people apply for loans, they don't know which loan products are suitable for them in the market, and they don't have much time to go to all lending institutions to understand the investigation. Some people may find it difficult to apply for a successful loan for various reasons, and these phenomena are not rare. So some people saw the market here, and loan intermediaries came into being, aiming to help borrowers match the most suitable loan products, improve the probability of being approved, and charge a certain fee from them.

2. What are the service scopes of loan intermediaries?

The loan intermediary is the bridge between the borrower and the bank. As a financial intermediary, it does not engage in loan issuance business, but mainly provides various consulting services and loan agency services.

Is the loan intermediary reliable?

Because loan intermediaries generally have cooperative relations with major banks, loan intermediaries can give borrowers certain concessions. If it is a formal loan intermediary, it is more reliable. Therefore, when looking for a loan intermediary, we must avoid the black-hearted intermediary. The following are several ways to identify formal loan intermediary companies:

(1) No charge in the early stage: the loan intermediary will charge a certain fee, but the formal loan intermediary will only charge the fee after the bank lends money, and will not pay it before the borrower receives the loan.

(2) Reasonable process: The borrower can inquire about a series of processes when the loan intermediary handles the loan agency, and judge whether the process is reasonable, so as to judge whether the intermediary is formal.

(3) Business license: The borrower can check whether the loan intermediary institution has legal and valid business license and other documents through visual inspection and other channels.

(4) Business area: The loan intermediary is only allowed to carry out agency business in the local area, so if the loan intermediary in Beijing promises to serve you in Shanghai, it must be a liar.

(5) Fixed office space, reminding everyone that if you plan to find a loan intermediary, you must make a field trip to its office space to find out whether it will work here for a long time.