Intermediaries lend money to people with poor credit information;
1, loan time
In fact, it is particularly critical to grasp the timing of loan processing. Because the current policies of financial institutions are different every year, for example, the beginning of this year is the peak period for financial institutions to issue loans, and everyone is trying to grab customers in the new year, so the approval rate will be higher. If the credit is not good, there is also a chance to get a loan. You can apply for a loan during this period. Under normal circumstances, the pass rate can be much higher, which is conducive to improving the loan pass rate.
2. Low threshold
In fact, the thresholds of financial institutions and banks are different. Some loan products are easy to apply for. Even if the lender's credit is not good, it can still lend. Naturally, he must assist other materials. There are four main ways of guarantee: pledge, guarantee and credit. Credit is not very good, you can try other ways to guarantee, and the pass rate is higher.
3. Account Manager
The account manager is responsible for entertaining customers of financial institutions. Some account managers are experienced and familiar with the loan process and products of financial institutions, which is conducive to improving the loan pass rate. You can learn more during the loan application process.
4. Pledge or
If you have a house, a car, an oversized insurance policy, savings, financial investment and other property. , you can apply for this pledge or loan credit. Can an intermediary handle it? Compared with pure credit loans, you need to find more state-owned enterprises with high quota, which is especially suitable for customers with certain overall strength to apply.
How to entrust others to handle loans?
Usually, applicants need to attend the loan financing business in person, but some applicants can't do it in person for various reasons and want to entrust others to do it. I would like to remind you that it is best to apply for a loan and handle the loan business in person. If you really don't have time or have special reasons, you can also entrust it. Just go there in person when you finally sign it.
Under normal circumstances, if the loan can be successful, the borrower only needs to go to the lending institution twice. The first time is to submit application materials and apply for a loan. If the loan can be approved, the second time is for the borrower to sign a loan contract with the lending institution and wait for the loan. Because the borrower needs to sign in person during the handling process, the borrower needs to be present in person.
Many borrowers often don't quite understand why the signature can't be signed by others. In fact, the reason is very simple because both the loan contract and the loan application form are legally binding, so once they take effect, the borrower must fulfill the repayment obligation, and the borrower will also bear the corresponding responsibility if it fails to repay the loan when it expires.
If you want to entrust others to help with the loan business, there are actually two situations: the first is to entrust a professional loan intermediary to help; The second is to entrust individuals to help with loans. However, in both cases, they can only play an auxiliary role, and the final signature must be signed by the applicant himself.
If you entrust a professional loan intermediary, you should first find a formal loan intermediary. Although the advertisements of loan intermediaries are flying all over the sky now, most of them are informal small intermediaries, and the service quality and safety are not guaranteed. Only formal loan intermediaries have corresponding protection. Secondly, it should be handled in accordance with standardized procedures, and never resort to fraud for the sake of loans. In order to take shortcuts instead of normal procedures, it is easy to leave hidden dangers and loopholes, from economic losses to legal proceedings. After entrusting an intermediary, you must sign a formal contract and communicate in time to ensure the smooth handling process.
If it is entrusted to a private person, it may be necessary to issue a legally binding power of attorney, and others will handle the relevant loan procedures on behalf of the applicant. Without this power of attorney, others can't handle things for the applicant. In this case, the best person to entrust must be someone who is familiar with loan-related knowledge and honest and trustworthy. Otherwise, if the other party deliberately sets a trap, it is easy to cause money loss.
How to apply for a loan quickly?
Tips for getting a loan quickly:
1. Maintain personal credit records: credit records are an important indicator for the review of loan institutions when applying for loans, and good credit will directly determine the results of loan applications, especially unsecured credit loans. Therefore, users should pay attention to maintaining a good credit record at ordinary times, which will help them to apply for loans quickly.
Second, provide proof materials. When applying for a loan, provide as many materials as possible to prove that you have good credit and strong repayment ability.
Third, choose the right loan platform. For example, if users often use various functions on Alipay and have a high sesame credit score, they will choose to borrow money from Alipay instead of JD.COM or other infrequently used platforms.
4. After submitting the loan application, you may receive a pre-loan investigation call from the lending institution. The loan applicant should actively cooperate with the examiner's questions and remain calm and honest, which can also help the applicant to get a loan faster.
Let's not talk about how to help people apply for loans.