Without the following three core points, no mortgage loan can be completed.
1. Evaluation agency
Such as the World Bank and national policies. Different institutions have different property values, which leaves room for operation.
2. Lending bank
Every bank and sub-branch will adjust its loan policy according to its own situation, and when the bank's performance pressure is high, it will naturally relax its loan restrictions.
3. Intermediary/agency
Intermediary is a key figure connecting customers, banks and the government. They have relatively rich loan experience and resources, are familiar with the loan process, and some even have internal relations with banks. Of course, trustworthy intermediaries are not easy to find.
Now, suppose you are a user who needs a loan, then you face at least the following problems:
1. The processing flow is too complicated, resulting in high time cost.
There are too many materials to be collected, too many government departments are involved, and it takes too long for users to prepare and handle the mortgage loan.
2. There is too much information to know, which leads to insufficient energy of users.
Including house price, bank mortgage policy, various taxes and fees, repayment calculation, authoritative certification, etc. There is too much information to know.
3. Good intermediaries are difficult to identify, and the cost of trusting trial and error is high.
There are too many agencies providing intermediary services in the market, with different levels. Whether this intermediary is the optimal solution is actually difficult for users to screen.
The agency fee is too high, and it will cost a lot of money to get a successful loan.
It is precisely because of the trouble ahead that the intermediary charges are very high. In fact, it has certain rationality. As an individual user, accusing the intermediary of being "black" may not necessarily reflect the real situation.
So what good solutions can help individual users solve it?
Sell it first.
Let's first look at the problems faced by financial workers represented by intermediaries, which are also very troublesome:
1. Too few customers.
No one doesn't like having more customers. Fierce competition makes customers very valuable.
2. It takes a long time to understand and identify the real user information.
This is an important part of further service.
3. It is necessary to keep abreast of the latest policy changes of relevant banks.
Mastering the latest policies means that your services and projects are more competitive.
It takes a long time to accumulate professional knowledge and contacts.
This is a long process of accumulation, which requires some luck and opportunities. Of course, many intermediaries can't reach this step.
What I have said above is the pain points faced by individual users and employees in the process of real estate mortgage loan.
So what can be done to solve these problems?
How is it solved?
There is a product called Q-customer mortgage, and the intelligent matching system that provides loan schemes puts forward a solution:
How does it work?
In order to facilitate everyone's understanding, let's take the Didi taxi APP commonly used by people as an example:
1. Users need to take a taxi (users need a loan).
2. Submit personal location and destination (enter user key information and loan requirements)
3. Didi system distributes the order to the certified driver (matching the order to the appropriate intermediary salesman of Q customer).
4. Estimate the time and expenses, and you can also check your order progress through Didi app (accordingly, you can check the loan plan and corresponding expenses, and users can check the loan progress through Q-guest).
5. After completing the order, you can pay directly through the platform, or you can give the driver an evaluation (you can also give the salesman a rating and evaluation directly through the Q-passenger platform transaction).
In short, their strategy is: "to be the drip of the real estate mortgage industry."
Remarks: Intermediary (salesman) only carries out the loan scheme of Q customer mortgage matching for users, and there is no possibility of black-box operation. I think this is a win-win way-for individual users, they have the right to know, the fees are transparent, and it is convenient to check the loan progress; For intermediaries (salesmen), they don't need much professional knowledge, just wait for customers to come to the door and provide the best offline service.
The above is the solution of Q-guest mortgage, which perfectly solves the mortgage dilemma faced by individual users (information overload) and intermediary practitioners (high trust cost) mentioned in the above process.
For Q guest, the most important thing is to match the algorithm in the system, so I went to official website to learn about their algorithm information:
At least it seems to have a certain level, but it is not so easy to get the national market.
In addition, they have also developed some practical real estate tools for everyone to use, but after testing by the author, they only support Shenzhen and surrounding areas at present:
As for the intelligent matching system mentioned above, there is only a loan matching scheme, and the service of offline intermediary is not seen. In their WeChat official account, I saw the following information:
At present, our Q-guest intelligent system is still under intense development and debugging, and the link of user scheme matching has been completed. Complete functions such as offline matching intermediary salesmen will meet with you before August next year. Our offline certification salesman will also start recruiting early next year and join the certification for free! After passing, you will get customers with loan needs who are matched by Q customers for free. The specific plan and joining details will be explained in the official WeChat account later, so please stay tuned ~
Well, it's still just a prototype.
Of course, I still hope that they can make this product as soon as possible, because I know that in this era, it is the easiest to be a right and wrong person, but it is very difficult to walk through the scorching sun step by step and reach the other side of the dream.
From this perspective, we are all colleagues.