1. Because the loan amount is tight, the bank's lending speed is very slow, and the delay in lending can hardly destroy a large number of second-hand housing buyers and sellers. In addition to the bank's reasons, it is also very common for buyers to get loans because of poor personal qualifications and bad credit. If the loan fails, the buyers will be forced into the dilemma of default, so it is a new choice for the intermediary to "advance" to help the buyers pay the house payment.
2. For the buyer, with the help of the intermediary, it can not only avoid the embarrassment that the loan can't be done, but also get more discounts from the seller when buying a house in full; For the seller, the buyer can quickly recover all the house payment by purchasing his own house in advance, and the risk will be much reduced; For intermediaries, advance payment can greatly shorten the transaction and earn service fees. Why not?
Although buying a house through an intermediary can solve many problems and has many benefits, it is risky to wake up all buyers and find an intermediary to give them funds. Everyone should clearly realize this.
What are the risks? According to the regulations of the central bank, the interest rate of private lending shall not exceed four times the interest rate of similar loans of banks. However, the monthly interest rate of intermediary funds has far exceeded the standard of four times. Therefore, if there is a debt dispute between borrowers and lenders, the court will not support the interest rate of intermediary funds to exceed the upper limit of 4 times. Therefore, in the actual situation, the risk of using "advance capital" to solve the capital problem is unpredictable. In addition, if the seller refuses to sell the house or delays the transfer time in the process of buying a house, it will cause great losses to the buyers who choose to buy a house in advance. Property buyers not only have to pay intermediary service fees, but also pay high advance service fees.
4. The intermediary earns the intermediary service fee, and it is very risky for the buyer to find an intermediary to coordinate and advance the loan. Intermediary companies are neither responsible for the loan interest rate nor the loan amount, and will charge agency service fees regardless of success. In this way, the intermediary is the real winner.