Many friends ask you what to do? Answer bank loan consultant. We will then ask, this also need a consultant? In fact, the consultant can optimize loan scheme you, Quicken Loans efficiency, pay a service fee to save money worry. Today's special sorting out some common problems answer zhongxiangqin yo

A: my folks direct bank loans not line? Why do you want a loan consultant

Answer: this question is not a bank loan folks asked most often. In fact, if there is a loan from the bank's experience, often can understand.

Because,First, it is important to pick the bank and productsBank: now many, also all kinds of loan products. Non professional people is often difficult to completely clear. And loan customers demands are different. Some want to loan interest rates as low as possible; some to the amount of loans more better, which requires banks to accept the assessment value and the mortgage rate as high as possible; some want to quickly get the money the better, it requires the bank internal approval speed, the amount of lending is abundant. Therefore, not only bank and bank are quite different, even different branch of the same bank, as the indicator of different and urgency to expand the business, will also be quite different. Loan of professional consultants have maintained close contact communication of specialized departments and many banks, trends at any time staring at the market and each row limit and the lending attitude, can help customers matching was the most consistent with its appeal of the bank.

Second, familiar with bank procedures and processes: bank loan procedures and process is relatively complex, the need to provide more information, and at the same time, the banks in approving the loan process, not only some common requirements, but also have their own special requirements and concerns. Customers to apply for bank loans, almost always have to provide the materials do not meet the requirements of the bank in the loan application was rejected, or because of repeated back and forth delay loan time, almost each for their own customers will feel be pestered beyond endurance. Professional mortgage consultant due to long-term and dealing with the banks, are very familiar with the material requirements of banks, process and attention, can guide customers to a one-time compliance to all information, arrange the signing, assessment, notarization, mortgage registration formalities, the most greatly improve efficiency, save time and effort.

Third, accelerate advance loan approvalChina: banks are big, previously only basic big business. For individuals and small businesses is the basic account and deposit. In recent years, although also in vigorously promoting individual and small business loans, but as for the banks themselves, each person or small and medium enterprises in the face of the bank when after all, is a small customer, bank and natural attitude and not enough attention. And professional mortgage consultant agencies, monthly delivery amount billion loan to the bank, the bank is an important source of business channels, therefore, the general bank will give loans advisers sent business development Easy Access, in the efficiency of examination and approval, business conditions favorable to the optimal support. At the same time, professional institutions docking bank special loan specialist, will help customers on approval progress, greatly accelerate the progress.

Question two: folks loan consultant can provide what services?

Answer: as mentioned earlier, professional mortgage consultant services are:

1, Pick bank and products, striving for preferential loan conditions:Loan consultant will according to the specific situation, combined with the customer on the loan amount, interest rate, term, servicing methods and other aspects of the request, suggest to apply for a loan type, specific for banks and loan products. At the same time, help customers to the bank to obtain higher loan amount, more preferential interest rates or longer loan period. Practice has proved, for the loan consultant business conditions are generally superior to the client to communicate results.

2, Guide to prepare the application materials, the application process all aspects of convergence:In accordance with the requirements of clients in banks, prepared as a one-time compliance loan application materials. Cohesive Bank signed, the housing assessment, loan notarization, mortgage registration as a necessary link, and interspersed, improve efficiency.

3, The compliance purpose of loan guide:A general customers the most easily overlooked is that banks have clear requirements and pointing to the use of the loans, generally have a third party application request. According to the bank for compliance to arrange their own use of the loan.

4, Communication evaluation value and accelerate loan approval:Many customers are more sensitive to the amount of loans, hope more credit, which face value assessment of housing. The agency evaluated for the same set of housing values tend to have a range of assessment, price difference up to a thousand. While a single customer communication evaluation value will not to be ignored, loan consultant institutions because of long-term cooperation with the assessment of the company, can strive for the value as high as possible in the reasonable range. Similarly, in the bank's internal approval process, loan consultant will be to promote, maintain and Bank of communication, timely coordination of supplementary materials, speed up the approval and loan efficiency.

Question three: folks loan consultant service charge is how ah?

Answer: the standard price general market loan consultant is the bank loan amount2%,According to customer specific qualifications, apply for degree of difficulty, the amount of loans and other factors to give preferential. While the general asked my friends, I will inform the minimum rates within the company can accept this business,Avoid customer friend psychology is not practical, bargaining game. Some friends will go to the market to ask a circle, finally found that I told the price is the lowest. In fact, I also recommend a friend to ask a circle, will find us is how drop really ah.

In addition to the loan service fees, bank loan process will demand some small costs, such as housing assessment fees, loan notary fees, is generally a few hundred dollars. Banks will require customers to undertake and paid to the assessment of the company and the notary office.

In addition, if the customer property the original mortgage in other banks, bank loans also need to apply for a loan, in the new bank, if the client cannot raise the money, may need to bridge funds. The foreclosure floor service cost is also charged.

Question four: folks it seems that many companies do this, exactly which? Why did you choose your company?

Answer:The business seems to the threshold is very low, so many practitioners with a little experience will have the impulse to a small company, so uneven, some good and some bad. Many companies do not mature banking channels, improve the background wind control, assessment, loan, warrants and other service team, perfect personnel management and training system. Basic is not open for three years, opened to eat three years, get a serious charges, resort to deceit. If you do not add compare select, to find such a company, may be price oneself out of the market, midway increase, loan efficiency and cycle is artificially elongate, spend the money and the delay time. So, in the choice of loan consultant, I personally recommend look to three:

A look at the strength of the company: the most simple is to look at the company's office. Propaganda is very big, but the office rent a small house in the residential building companies everywhere all is, pay special attention to the. Our company registered capital of 100000000 yuan, shareholders a total investment of 200000000 yuan, all in place, is the kind of company funds and the most comprehensive strength. Get business license than to know.

Two see staffingLoan intermediary institutions: the perfect addition to customer manager, the back wind control, assessment, loan, warrants have specialized departments and personnel, to effectively implement process management, reflect the professional and efficiency. Small companies are basically customer manager through to the end. Our company Beijing region the backstage staff twenty or thirty, a clear division of labor, professional and strong.

Three see the quality of customer managerCustomer: good manager should be for all business processes, each bank policy, business processing key points are very familiar with, can guide customers planning reasonable scheme, detours, improve efficiency. Our training program perfect for customer manager, and ongoing training regularly, because of this, our company is the industry's only dare to recruit graduates from university training company. Because we have confidence in your ability of comprehensive training.

A fortune 500 company wholly-owned subsidiaries in China: an easy real estate Company limited by guarantee

2012 August