Peer-to-peer lending is risky, so choose carefully. If you need funds, it is recommended to handle it through a formal loan platform.

Ping An Bank provides unsecured credit loans, as well as mortgages and mortgage loans for houses and cars. Different loan application conditions and requirements are different. Whether the examination and approval can be successful is evaluated according to your comprehensive qualifications. For details, please log in to Ping An Pocket Bank APP- Finance-Loan and try to apply.

Response time: 2021-10-13. Please refer to the latest business changes announced by Ping An Bank in official website.

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Are loan intermediaries or loan companies reliable?

First of all, formal intermediary lending institutions really help many people to get loans successfully. Of course, the intermediate handling fee and service fee need to be borne by the borrower, and the specific amount needs to be determined according to the difficulty of the loan. The operation of informal intermediaries to assist borrowers in lending is not so clean. Don't believe the story that you pay first and then get a loan, and the loan will be successful in two hours.

Advantages and disadvantages of finding an intermediary with a loan

Looking for an intermediary loan-profit

1, save trouble

As we all know, bank loans involve many things, complicated procedures and long time. At this time, the role of the intermediary is to help you reduce things, save procedures and buy time. What you need to do is to send out your true and effective information, so as to avoid some troubles of loan.

2, save labor

The main job of intermediary loans is to help borrowers meet the loan demand. For borrowers, if they want to find suitable loan banks and products, they need to "shop around". Who makes the bank's policies and systems different? The interest rate, term and amount of the loan are all compared by the lender himself. Just find an intermediary loan. Intermediaries all know the loan standards and interest rate concessions of banks. These comparisons and "shopping around" are only handed over to the intermediary.

Step 3 get twice the result with half the effort

Intermediaries walk in the middle of banks. If you get along well with banks, you should appropriately relax the restrictions on your approval materials. Of course, there is no illegal operation, so you will improve your loan pass rate.

Looking for an intermediary loan-disadvantage

There is only one drawback that makes the borrower fall badly enough, and it is estimated that he will not be able to get up in a short time, that is, to find an informal or unidentified intermediary, and the tricky thing is also to make people want to cry.

In short, it is true that loans are easy, labor-saving and get twice the result with half the effort, but the illegal operation of pseudo-intermediaries is not fake, so lenders should pay attention to loans.

Do we have to find an intermediary? That's not true. There are many simple loans, you can apply for them yourself. You only need to provide personal information. Lending institutions also have a complete application process. You should judge whether you need to find an intermediary according to your own demand type, demand amount and other factors.

There are many loan intermediaries in the market now. However, no intermediary agency has made a decision to guarantee that it can help borrowers apply for loans. If the real estate agent contacted by the borrower claims that it is "100% sure", it is basically untrue.

In addition, you'd better find a fully qualified, safe and formal loan intermediary company. Generally, you can find suitable channels, provide valuable suggestions according to the actual situation of borrowers, and find suitable loan products for you.

Looking for an intermediary to help the bank handle 65438+ 10,000 loans is only 50,000, and the remaining 50,000 is reliable without interest?

Not reliable. Intermediary bank loans are not necessarily reliable, and some intermediaries can't help customers approve loans, mainly to earn intermediary fees paid by customers. Banks are very strict in examining the qualifications of customers. The intermediary company claims that it has cooperation with the bank and can apply for a loan with low interest rate and good credit, and then draws five points. In fact, you can go to the bank yourself, and the intermediary company has no effect at all, just because the information is not connected.

Is the intermediary loan reliable?

Therefore, it is more reliable to find financial intermediaries to handle financing business. The significance of the existence of financial intermediary companies is that they can accurately match the products that meet the bank for you in the first time, but you need to pay the corresponding financing service fee.

After finding the counterpart product, the lending institution will remind the borrower to pay attention to all aspects of the details in the examination and approval, and will tell you the precautions and experience without reservation. Generally, banks are strict in approving borrowers, such as the purpose of loans. If it does not meet the requirements of the bank, it is likely to directly refuse the loan, and the bank account manager often cannot remind the customer because of the regulations. We should know that every customer's time is very precious, instead of spending unlimited energy on preparing materials, filling out forms and other uncertain results. It is best to find a reliable professional loan company. They know very well what information you need to prepare and what conditions you need to meet, so as to avoid the embarrassment and obstacles of understanding when consulting, greatly reduce the time for you to supplement materials and queue up for processing, greatly improve your loan efficiency and solve the funding problem as soon as possible.

Loan intermediaries mainly provide loan consulting services for small and micro enterprises and individuals. Most of the staff of loan intermediaries have financial work experience, understand the loan process of various banks, and have their own fixed contacts in these financial institutions, so the borrower's loan success rate can be improved to a certain extent.

Loan intermediaries will not provide loans to small and micro enterprises and individuals, but because these borrowers do not understand loan knowledge, they need the help of loan intermediaries to apply for loans in banks as soon as possible. Loan intermediaries provide services for these users, so they will charge a certain loan service fee. Most ordinary people don't know about bank loans, and borrowers in the region don't have time to understand them one by one. With loan intermediaries, they can help borrowers find suitable loan products quickly and save a lot of loan interest. Looking for a loan intermediary, the borrower can easily get a loan from the bank by paying the intermediary service fee.

The borrower finds a reliable loan intermediary, which can quickly analyze the borrower's own disadvantages with its own experience and professional knowledge, avoid the borrower's own disadvantages as much as possible, and recommend appropriate loan products. During the period of serving customers, loan intermediaries will also introduce the loan policies of various banks to customers in time and recommend some loan products with lower interest rates to avoid problems when customers apply for loans.

Is the loan intermediary reliable?

As a practitioner in the loan industry, let me talk about my personal feelings.

In the industry of loan intermediary, loan intermediary is similar to real estate intermediary. They all hold the priority information of the industry and earn money for information recursion and resource allocation.

Generally speaking, real estate agents and loan agents are sales, but real estate agents sell houses, loan agents sell money and bank money. You can accept a real estate agent because it can really help you buy the house you want in a short time. Because you save time and energy, you are willing to pay part of the agency fee.

However, many people have different views on loan intermediaries. People subconsciously start to reject loan intermediaries, because people think they often deal with banks, so why do they ask people to help them with loans? In addition, many loan intermediaries are unwilling to tell the truth and have no good communication with customers, which leads to worse customer credit information and no loans, which leads to more and more people not recognizing this industry and even getting tired of the idea that loan intermediaries are liars.

I'm not trying to correct the name of this industry. There are too many fried dough sticks in this industry. I just want to write out my truest feelings for everyone to see, so that everyone can have an objective understanding of this industry, rather than blindly denying it. Let's compare real estate agents and loan agents. You usually don't have time to know so many properties. You often go to the bank to deposit money, and subconsciously feel that you are in direct contact with the bank and don't need a third person to dock. But you don't know that there are many banks in a place, and each bank has many loan products, and each loan product has different requirements for customers. Just like you want to buy a house with good ventilation, convenient transportation and beautiful scenery, but you don't know enough about the real estate in this city. What should you do? You will consider looking for a professional intermediary.

Is the loan intermediary company reliable?

1, because the bank's audit is strict, if you make a mistake in some details, 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.

2. Loan intermediaries will basically master various local loan channels and be familiar with the products and requirements of various lending institutions. Therefore, they will find a suitable channel to apply according to the actual situation of the borrower, so that the probability of passing the loan can be greatly improved.

3. 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.

4. Loans can't be applied immediately if you want to apply, especially bank loans, which have strict requirements for the borrower's review, including loan purposes, application filling, material preparation, etc. If the borrower does not understand the auditing standards and 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. As far as the use of loans is concerned, ordinary banks have strict restrictions on the use of loans, and once they do not meet the requirements of banks, they will be refused loans.

5. 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, which need to be submitted repeatedly, 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.

Of course, looking for a loan intermediary also needs to pay attention to these three points:

1, pay attention to find a reliable intermediary company, run more, and don't be afraid of trouble.

2. See if his formalities are complete and his documents are complete.

3. Don't be greedy for low agency fees and believe that they can apply for loans with lower interest rates.

Is the loan intermediary reliable?

In fact, loan agents are like real estate agents. You can still buy a house without looking for a real estate agent, but because you are unfamiliar with the market, the final result may be to pay more time and energy, or even higher housing costs. Loan intermediaries can be accepted by lenders because their role cannot be underestimated. Coupled with the increasingly fierce competition for customers between banks, intermediaries can introduce customers to banks in batches, reducing the workload of bank credit personnel, so banks are more willing to deal with stable lending institutions.

The loan intermediary has the following advantages:

1, loan intermediaries have more loan channels.

Ordinary people, especially those who borrow for the first time, don't know which lending institutions are available in the market and which one is most suitable for them. Most people apply to one or two lending institutions only after seeing the advertisements of lending institutions or the introduction of acquaintances. Sometimes I ran to one or two lending institutions and was rejected. I thought the loans were all the same, so I gave up or changed to another company.

In fact, there are many lending institutions on the market, including banks, and each application threshold is different. This one doesn't meet the requirements, and maybe one will pass the application smoothly. However, with so many lending institutions in the market, it is unrealistic for borrowers to try and make mistakes one by one.

On the contrary, loan intermediaries have a more professional understanding of the loan market. They are quite familiar with local lending institutions and master many loan channels. Therefore, according to the actual situation of borrowers, they will look for suitable channels and provide valuable suggestions to find suitable loan products for borrowers. Greatly improve the choice of borrowers, choose the best among the best, and match the most suitable lending institutions for borrowers.

2. Loan intermediaries know the loan market better.

Many customers' understanding of loans basically stays on the word "loan". I don't know that the products of major banks are varied. Although many loan products are now homogenized seriously, in fact, the policies, requirements and target groups of each lending institution are very different. The term, amount, interest rate and even approval rate of the same product may be different if it is changed to a lending institution or even different branches of the same bank.

If the borrower does not understand the market conditions and blindly applies, he may take more detours or pay more costs, and the loan success rate will be much lower. On the contrary, loan intermediaries have a more professional understanding of the loan market. They have cooperated with major lending institutions for a long time and basically have their own "databases". What conditions each lending institution needs, how much it can lend, how much it passes, and how much it costs, the loan intermediary basically knows everything. As long as you know the information of the borrower, you can quickly match the appropriate loan products, helping the borrower to worry, save trouble and save money.

3, familiar with the approval process, the application has a knack.

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, the submitted materials may not pass.

The bank staff will not directly tell you whether the information filled in is wrong or not, and whether it will affect the approval. However, the loan intermediary is proficient in the loan handling process and will tell you the matters needing attention and experience without reservation. We can properly package our customers. Even if the borrower has a problem, as long as it is not serious, the loan intermediary will try to make the borrower's conditions meet the requirements of the bank. Moreover, you can use your personal connections in the bank to play some edge balls, so that borrowers can get loans smoothly.

4. Loan intermediaries can improve loan efficiency.

If the borrower is not familiar with the loan process and applies for it by himself, you will find all kinds of troubles, such as inconsistent materials, and it will take a lot of time and energy to go 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.

Looking for professional people to do professional things, and looking for financial intermediaries to handle loans in the era of resource integration is itself a manifestation of improving efficiency. But especially remind borrowers that they must choose a formal intermediary service organization!