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Loan cooperation channel

Risks of cooperation between banks and loan intermediaries

The lack of credit awareness of loan intermediary companies brings certain risks to commercial banks.

Illegal loan intermediary companies have the following potential risks:

The first is to defraud the loan risk. Illegal lending intermediaries combine the credit characteristics of customers, such as credit reports, assets, income status, etc., and comprehensively consider the approval standards of bank credit products. For customers with poor credit information and insufficient solvency, they can meet the formal requirements of credit approval by issuing false work income certificates, fictitious consumption contracts, and bank running water, so as to obtain credit funds.

Due to the uneven financial situation of lenders, it is difficult to guarantee the solvency, and it is difficult for banks to effectively supervise the post-loan funds. The risk of overdue default of credit funds continues to accumulate, which may eventually cause huge economic losses to banks.

The second is the risk of infringing citizens' information. In order to attract customers with capital needs, illegal loan-assisting intermediaries entrust them to handle financing loans and purchase a large number of social citizenship information through the Internet.

Then fake the names of major commercial banks, and send a short message similar to the normal promotion of banks' business "how much credit is given according to the comprehensive credit score" to induce customers in need to reply to the consultation.

In the follow-up process, in order to further dispel customers' doubts, the loan intermediary lied that it had a fixed cooperative relationship with the bank or designated the bank to publicize and introduce the lending institution. The above-mentioned behaviors of loan intermediaries not only gave birth to and encouraged crimes of infringing citizens' identity information and personal privacy, but also seriously damaged the image of banks and financial institutions and affected their credit.

The third is the risk of illegal cashing. Because customers themselves need to use credit funds for other purposes, illegal loan-assisting intermediaries apply for a large number of POS machines from third-party payment institutions in the name of companies or employees in order to maximize illegal interests.

And provide customers with credit fund services such as swiping credit cards and taking bank consumption loans, and charge a certain percentage of handling fees, which seriously disrupts the normal financial order.

Fourth, it violates the national economic policy orientation. In recent years, the state has accelerated economic transformation, revitalized the real economy, actively guided funds to get rid of the virtual reality, and adhered to the long-term real estate regulation and control policy of "housing and not speculating".

However, illegal lending intermediaries obtained bank credit funds and invested in the stock market and property market through various false means, which seriously deviated from the state's major policies, greatly weakened the effectiveness of the state's macro-control, and brought great damage to the state's social interests.

Why do loan intermediaries now cooperate with banks?

The bank lends 6%, and the profit 16 10 points.

Born for profit, of course, to make money. To know why we are rushing to cooperate with banks, let's first look at what benefits banks can bring to them.

Brand effect: attracting customers under the banner of banks.

As long as you get a product from the bank, even if it is rotten (the bank product is actually not bad), you can tell customers that it is the best product of the bank. Customers will naturally have a sense of trust when they see that it is really a bank product and handle it in a bank. Because the risk of bank failure is very small, the trust given by banks is not a little, but complete. Banks make people dare to save money, and if they are banks when borrowing money, people dare to borrow more. Once the loan intermediary gets the bank's products, the customer will think that this person is very powerful and has something to do with the bank. If you can get a loan, there is nothing wrong with giving him some benefits. When the customer is rejected by the bank, other or private loans arranged by the loan intermediary will also gain the trust of the customer. So it is very important to meet a good intermediary. After all, there are good people and bad people in this world. If the loan intermediary wants to harm you, it only needs to get you into a false contract, a yin-yang contract. That's irreversible. Therefore, bankers are still very cautious in communicating with intermediaries.

Good products: low-interest loans

The annual interest rate of CCB's mortgage is 3.65%, which means that the loan 1. 1 ten thousand days only needs one yuan. Don't say that this interest rate is high, it is already very low. You should consider the operating costs of banks and the regular interest of depositors, and even think of the risk of overdue. A year ago, the interest on online loans was generally around 36% per annum, ten times that of banks. So many intermediaries want to cooperate with banks in order to get better products and have some competitive capital in the loan industry. The annual interest rate of mortgage is generally around 7.3%- 14%. If you get CCB products with an annual interest rate of 3.65%, it will be easier to attract customers struggling with interest. More competitive.

Bank rebate

The bank will give the introducer (that is, the intermediary) a rebate of 0.3%-2% of the loan principal. In fact, this is not very attractive to loan intermediaries, but no one will be too rich. The main source of income of loan intermediaries comes from collecting customer consulting fees, that is, handling fees. Generally ranging from 2% to 5%, some will receive 10% of the loan amount. One million is 20,000-50,000. The bank will refund 30,000-20,000 as commission. Banks will also limit intermediary fees, but they can only talk about it.

Summary:

Loan intermediaries only use poor information, but the experience and common sense of loan intermediaries about loans are incomparable to ordinary people. The above three points are the reasons why loan intermediaries want to cooperate with banks. Brand effect, making more money is my conclusion. Ordinary people want to become loan intermediaries, in fact, they just need to walk into the bank to find the lobby manager and consult the mortgage business. Get the bank's loan outline and find a suitable customer base, and you can become a loan intermediary. The difficulty of loan intermediary lies in finding customers.

Ten years of industry veterans believe that:

A loan intermediary is to introduce a loan. Loans definitely need lenders to do business. Today, I'm going to tell you what a lending port is and why there are fewer and fewer ports. Now there are only banks left.

Private funds: The newly issued annualized maximum insurance 15.4% was launched, which made private funds unwilling to play any more. This rate of return is almost halved compared with before. Of course, if the profit is low, there will be less capital inflow.

P2p funds: On the one hand, the p2p model based on the Internet absorbs a large number of investors' funds, on the other hand, it looks for customers with micro-credit needs, and is finally characterized as illegal storage for various reasons, and has now withdrawn from the historical stage.

In terms of capital: on the one hand, the profit is greatly reduced due to the influence of 15.4%, on the other hand, the leverage ratio is very low due to regulatory reasons, which is not cost-effective. If the company has been inattentive, many businesses will stop.

Trust fund: it is also regulated by 15.4% and the securities market, and the supervision is getting tighter and tighter, and it will gradually withdraw from this field in the future.

Credit guarantee funds: In fact, most credit guarantee funds are also bank funds. They only do business in the mode of providing contract insurance by insurance companies. If the customer doesn't pay back the money, the insurance company will pay! This kind of fund is still in operation, led by Ping An Pratt & Whitney, and the land, sunshine and Pacific Ocean are all in this mode.

To sum up: who will you cooperate with if you don't cooperate with the bank? [Cover your face]

There are too many loan intermediaries now, mainly because the loan industry just needs problems and makes money. Being able to cooperate with banks means having wings to fly, and money will come naturally. Just recently, my friend's friend heard from a friend who works in a lending institution that an entrepreneur made a tax loan in his company yesterday, and the institution always handled a loan line of 6.5 million for customers in the bank. Loan customers and intermediaries need to pay a deposit of 20,000 yuan, and customers are also very frank. Then sign a pre-loan contract, requiring the customer to pay 5% of the next payment as a handling fee, and the handling fee of 325,000 yuan is exactly what the loan customer needs to pay to the agency, and the loan business manager gets a one-time share of 65,438.

I wonder, how much does it cost to meet such a customer loan intermediary? This is the reason why the loan intermediary wants to cooperate with the bank. It must be to dredge the relationship, and it is difficult to achieve without a little gray interest. However, everyone is willing to do what they want, and there is nothing to say. After all, it's all agreed in advance, and the loan intermediary will help him only if the customer is willing.

With a loan vault like a bank, why should loan intermediaries worry about not making money! I suggest you go to the bank to ask about the conditions before lending. Some intermediaries only help customers submit information, and some customers are qualified, so don't give more. Waste of money!

The bank has products. How to sell products to customers without getting them? That's what it means!

Because bank interest is low, it is normal for lenders, and customers have high trust in intermediaries. It is good for yourself and your customers.

Is the loan company that cooperates with the bank formal?

It depends on the actual situation. Generally speaking, loan companies that do not recommend cooperation with banks are generally formal. Because banks need to audit cooperative institutions, if there are problems in institutions, banks will also bear risks, so they will strictly control them. If you want to get a loan, the cooperation between the loan company and the bank is to help you go through some imperfect procedures and finally get a bank loan.

Data comparison Different application conditions banks have different conditions for applying for real estate mortgage loans, such as credit status, personal income, work unit and repayment ability. Loan companies apply for real estate mortgage loans, mainly depending on whether the real estate value is high and whether it can be realized. Credit status is good or bad. Borrowers with liabilities can generally borrow from banks or loan companies, as long as they can provide qualified real estate mortgage. Compared with credit loans, the risk of mortgage loans is lower, because there is real estate as a guarantee for bank loans.

However, at present, the interest rates of mortgage products of various banks are different. The loan interest rate of the same bank will be different in different regions. At present, the bank's real estate mortgage interest rate is floating on the basis of the benchmark interest rate. In 20 17, the Bank's benchmark annual interest rate is 4.35% for less than one year (including one year), 4.75% for one year to five years (including five years) and 4.90% for more than five years. You can refer to it Compared with the approval speed, there are many procedures in the real estate mortgage bank, and the approval time will be longer. Get the loan in about 20 working days at the earliest. The loan company has simple procedures and quick approval. Generally, you can get the loan within 10 working days. Generally speaking, the amount of mortgage bank loan is related to the appraised value of the house, which can reach about 70% at the highest. Generally speaking, bank loans are not so easy to apply for, and unsuccessful applications will also affect credit records. In order to get lower financing costs and handle large bank loans conveniently and quickly, we usually go to professional institutions.

Is the loan company that cooperates with the bank credible?

Generally speaking, there are many companies that are reliable and have cooperation with banks. Whether it is formal or not depends on the actual situation. If you want to borrow money, the loan company that cooperates with the bank will help you with some imperfect procedures, and finally the bank will lend money. Many companies cooperate with banks. Whether it is formal or not depends on the actual situation. Pay attention to five points in the loan: pay attention to the mobile phone number, and the mobile phone number must be registered in real name. The mobile phone number must be used for more than half a year. The mobile phone number must be used normally. The authenticity of loan information, to apply for personal consumption loans, borrowers need to provide real documents and materials required by various lending institutions, such as the contact information of various relatives required by most lending institutions. This information should not be forged. According to the statistics of most institutions, the suspicion of authenticity is an important reason for the rejection of loans!

1. Regular companies are only allowed to do business locally and should go to the company in person. They may not charge advance loan fees or withhold interest. Never use a bank account to collect fees in the name of an individual (so-called legal person, manager or financial controller). For example, companies in Beijing can only issue loans within their registered districts and counties. The business beyond the geographical scope and the business based on the network platform belong to fraud, which should be a company that swindles or pretends to be a regular company. Many companies cooperate with banks. Whether it is formal or not depends on the actual situation.

2. For those who have applied for a credit card, it should be clear that after you submit the application materials, the bank will make a telephone call back, with the main purpose of confirming the authenticity of the materials. In fact, in the process of applying for a loan, there are also telephone calls, but many people ignore them. I want to remind you that you should never disagree with a telephone call back. Often such a small detail is the real reason for your loan failure! The reason why the lending institution calls back is to confirm the authenticity of the information submitted by the borrower. If the information obtained by the bank through telephone call back is inconsistent with the information provided by the borrower, the bank will definitely question the borrower's character and situation. At the very least, it will make it difficult for you to get a loan, or it will not be approved at all.

3. With the improvement of the personal credit information system, its data is no longer limited to the traditional operating areas such as credit records, but gradually shifts its attention to the business areas that provide comprehensive social data services. Therefore, at present, more and more lending institutions compare the "credit" of loan applicants through various credit reporting agencies. Once it is included in the "credit blacklist", it is difficult to eliminate the stain. Please cherish your personal credit. It is very difficult to apply for some high-risk industries. We can only think of other ways. These are high-risk industries: coal mine, construction industry, dangerous chemicals industry, pilots and so on. The best job to fill in is to work for more than half a year. Salary flow, work permit, business card, work permit and so on are all work-related information. It must be helpful to submit them.

If you want to get a loan, the cooperation between the loan company and the bank is to help you go through some imperfect procedures and finally get a bank loan. If you get a loan, you'd better go to a bank or a formal guarantee company. Network loans, private loans and software application loans are all materials that need to be prepared for bank loans with a lot of chaos and risks: valid identity documents; Permanent residence permit or valid residence permit and fixed residence permit; Proof of marital status; Bank flowing water; Proof of income or personal assets; Credit report, use plan or loan use statement. The requirements for bank loans are: at least 18 years old, with full capacity for civil conduct, with permanent residence of urban residents or legal and valid identity documents. The lender's bank loan age is generally between 18-60 years old.

Is it reliable for loan banks to cooperate with third parties?

Honeycomb loan to answer: Is it reliable for loan banks to cooperate with third parties? Under what circumstances is it more appropriate to ask an intermediary for help?

As we all know, when you buy a house, you need to pay an agent to help you find a house to buy a house. Similarly, when you apply for a real estate mortgage loan, if you want to handle it smoothly, you need to find the help of an intermediary.

The house is small in size and low in value.

We often encounter small-area properties with an area of only 45-60 square meters, mostly apartments. And the total price is about 600 thousand. If this set of collateral is yours, I regret to tell you that many banks refuse to enter this kind of property. So find a reliable loan intermediary at this time, because this is their long-term close cooperative relationship and it is easy to communicate.

There are many problems in credit reporting.

There are overdue, overdue for many times, too many inquiries, too many small loans and online loans, and too high debts. It is also suitable to find a loan intermediary to help solve them. What is said here is that the intermediary is not omnipotent, but the intermediary will quickly match the appropriate loan products for you through its own channels and products, and banks often have the opportunity to release water impulsively, which will be polished in the conditions of customers, and customers with credit problems can also successfully realize the bank's housing mortgage loan. The most straightforward sentence is "the main house has space to do."

Want to loan money to the account quickly

This often happens at the end of the year, and many business owners or suppliers need a lot of money to settle accounts at the end of the year. Some even risk the expiration of the contract. At this time, the customer used his own house as a mortgage loan and wanted to get it quickly. At this time, it is very appropriate to find a reliable loan intermediary. I once met a customer, because the final payment of more than 2 million yuan was due soon, and it was limited to be paid before the end of the month. At that time, the customer came with the information on the 27th of the end of the month. Later, it took only three days to report it urgently for approval. On the afternoon of the 29th, 2.2 million mortgage loan funds were successfully distributed to the account, and the final payment was settled directly that night, which successfully saved the contract and the cooperation opportunity of the last company. Isn't it good to ask for help in this situation?

Long cycle and low interest.

Customers who want to make mortgage loans will always go to several banks first. The logic of most people is to go to CCB, industry and commerce, agriculture and other banks first. In the end, it doesn't conform to that ideal. Big banks have the advantages of big banks, but they also have the threshold of big banks. Low interest rates are conditional, but some banks may not be well-known, but the interest rate and cycle are really fierce. Some banks can give credit for the period and repayment method that they can't give, and each bank's mortgage loan is different when designing products. If it's all the same, will you choose a commercial joint-stock system or a local bank? So each has its own product advantages.

Because each bank has different mortgage products, different advantages and different requirements for borrowers. With the help of the loan intermediary, we can match the right loan bank as soon as possible according to the needs of customers.

Model loan business cooperation agreement

Since the late 1990s, the loan business in China has shown a rapid development momentum. What about the loan cooperation agreement? The following is a sample loan business cooperation agreement that I have compiled for you. Thanks for reading it.

Model loan business cooperation agreement 1

Party A: Party B:

Through negotiation between Party A and Party B, the following agreement is reached on Party B's expenses (pre-sale) for mortgage loan of "Southeast International" commercial and residential community project at No.33, section 3 of Binjiang Avenue, Xinzheng Town:

Article 1 In order to branch and promote the sale of commercial housing, Party A agrees to act as the mortgage bank for Party B to sell the "Southeast International" project at No.33, Section 3, Binjiang Avenue, Xinzheng Town. The maximum amount of a single loan provided by Party A to the borrower who purchases the house of this project is 70%, and the longest loan period is no more than 20 years; The maximum amount of a single loan provided to the borrower who purchases a commercial house is 50%, and the loan period does not exceed 10 year. The loan can only be used for the borrower to purchase the housing or commercial housing of this project.

Article 2 According to the State-owned Land Use Right Certificate No.02756 (20 12), the project covers an area of 12 197.65 square meters, with a total construction area of 37,800 square meters, houses1,and an area of about 65,438. The area is about 8,800 square meters, the hotel is about 9,000 square meters, the underground shopping mall and underground parking lot are about 1 10,000 square meters, and the estimated house payment is about 202 million yuan. Party B specially invites Party A to be the supervising agency of this house payment.

Article 3 Party B agrees to deposit all the sales proceeds of this project into the special account for house sales opened by Yilong Branch of Nanchong Longde Real Estate Development Co., Ltd. in Party A, in which all the down payment of mortgage loan provided by Party A and mortgage loan paid by the borrower are deposited into this account.

Article 4 Before other real estate warrants are completed, Party B agrees to provide the borrower (purchaser) with joint and several liability guarantee to repay the loan principal and interest in installments and the responsibility to buy back the house. And deposit 5% of the total mortgage loan balance of the house and 10% of the total mortgage loan balance of the commercial house into the account designated by Party A as the performance bond. Without the consent of Party A, Party B shall not use the money. During the period when Party B provides the phased joint and several liability guarantee, if the borrower fails to fulfill the repayment obligation as agreed in this contract, Party B guarantees to fulfill the repayment obligation within 15 days after receiving the written notice of collection from Party A. If Party B fails to voluntarily fulfill the above repayment obligation, it means that Party B authorizes Party A to voluntarily deduct money from its account (including the special account for selling houses and deposit account). Performance bond account number:

Bank of deposit: Xinzheng Branch of Sichuan Yilong Huimin Rural Bank Co., Ltd.

Commercial housing sales supervision account number:

Bank of deposit: Xinzheng Branch of Sichuan Yilong Huimin Rural Bank Co., Ltd.

Article 6 Party B shall be responsible for assisting Party A and the borrower to handle the real estate mortgage registration procedures. If the project under construction (non-existing house) is mortgaged, the mortgage registration formalities shall be handled first, and the mortgage certificate of the forward house shall be obtained and kept by Party A.. After the completion of the project, assist Party A and the borrower to handle the real estate mortgage registration procedures, and hand over the real estate license to Party A for safekeeping.

Article 7 In case of any dispute during the performance of this Agreement, Party A and Party B shall settle it through consultation. If negotiation fails, you can choose the following ways to solve the problem:

(1) Submit it to the arbitration institution where the lender is located for arbitration;

(2) Bring a lawsuit to the people where the lender is located.