I have done a lot of loans for myself, including credit loans and housing loans. The process was bumpy and I encountered many pitfalls. The credit loans were all done directly with banks, and the housing loans were through intermediaries. Made.

If you have enough time, you can go to the bank and ask directly. I visited more than 20 banks, and I will also ask different branches of the same bank.

If you are short of time, you can go through a loan intermediary. I will not write the company name here. I think people have a fatal misunderstanding, that is, they recognize the company brand. In fact, the brand does not mean much. In this case, The industry account manager is the most critical. The account manager's job responsibility is to facilitate the loan issuance. The company will naturally not take care of it, but is the account manager professional? Are you responsible for your customers? Are the interests of customers fully considered? That's not certain.

The account manager’s commission comes from performance. Since he is responsible for his own salary, he will naturally recommend you the easiest loan and the highest amount. As for the high interest rate? Is it stressful? That's your own business.

Final suggestions:

① Do more accumulation in daily life, and you must learn credit information knowledge, interest rate knowledge, and interest rate calculation (IRR formula);

② Wanwan There must be no overdue payments, use an APP that specializes in managing repayments; fund accumulation starts with the simplest credit card, and learn more xyk common sense;

③ Try not to use small loans from non-bank financial institutions (Xinxin, Hua) If you use it, the interest rate is high and banks are disgusted. Later, when you do bank loans and get credit reports, you will find that small loans will also be affected;

④ If you have to go through an intermediary, be sure to shop around with three people (account managers). The more, the better. You can usually add a few more WeChat accounts, follow their circle of friends, learn about recent loan products, and what kind of people they are, and then choose the one with the lowest interest rate and lowest agency fee. It is best to find someone who can An intermediary that agrees to pay a commission after disbursing the loan and does not pay any deposit in the early stage.

Although online promotion is done well, in the end it is only one person who implements it. Everyone has selfish desires and greed. People’s nature is best exposed in the position closest to money.

In an era where loan intermediaries are everywhere, there are only a few who can really provide good consulting services. There is no one to supervise the intermediary fee points. I believe that after all the waves have washed away, there will be a clear future in the end.