Here comes the problem again. Why do you need a loan agent?
First, there are many loan channels for loan intermediaries.
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. I couldn't get the loan, which means I couldn't get the loan anywhere else, so I gave up or switched to other usury companies.
In fact, there are many lending institutions on the market, and each application threshold is different. This one doesn't meet the requirements, and maybe one will pass the application smoothly. But with so many lending institutions in the market, it is impossible for borrowers to apply one by one, and it is unrealistic to try and make mistakes.
At this time, it is different to find a loan intermediary. The loan intermediary is quite familiar with the local lending institutions and has mastered many loan channels, which greatly improves the borrower's choice space, selects the best among the best, and matches the most suitable lending institutions for the borrower.
Second, loan intermediaries know more about the loan market.
Many customers' understanding of loans basically stays on the word "loan". As we all know, although many loan products are seriously homogenized, in fact, the policies, requirements and target groups of each lending institution are very different. For the same product, if you change to a lending institution or even different branches of the same bank, there may be differences in term, amount, interest rate and even approval rate, and there may be some "hidden rules".
It's not the same with a loan intermediary. After long-term cooperation with major financial institutions, loan intermediaries will basically have their own "database". What conditions each lending institution needs, how much it can lend, the geometry of the pass rate and the cost, 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.
Third, loan intermediaries have connections and technical advantages.
Each lending institution has its own entry threshold and auditing standards. Special bank loans are more critical to the borrower's audit, and will be taken immediately if they are not up to standard. For example, the age of the house exceeds the regulations of the bank; The area does not meet the banking rules; The income certificate cannot meet the requirements of the bank; Mortgaged houses cannot get loans from banks; You can't provide water and electricity bills, non-malicious overdue and other relevant proof of residence to the bank, and so on.
The loan intermediary is proficient in the loan handling process and can make a more suitable loan plan for customers.
Fourth, loan intermediaries can improve loan efficiency.
If the borrower is not familiar with the loan process and applies for it himself, you will find all kinds of troubles. For example, the materials do not meet the requirements, and it takes a lot of time and energy to go back and forth. Also, if you are not a big customer, banks and other lending institutions may delay your loan and keep you waiting. These troubles can only be felt by those who have applied in person.
Loan intermediaries exist and are accepted by the market because they can bring tangible value and help to borrowers.