I want to be a loan platform intermediary.

What should I do if I want to set up a loan intermediary?

Introduction: In daily life, if you want to start your own business, you will make more and more efforts. At this time, you need to understand the corresponding economics. If you choose the financial industry during your college years, it will be very beneficial for your future business. But if you choose other occupations, it is relative to learn these things. This period of time is like having corresponding learning opportunities in your later life. However, it should be noted that no matter in any venture portfolio, we must maintain a positive attitude. Because you will face all kinds of problems, but don't lose heart, because there is always hope if you persist. The premise is to make all efforts, so what should I do if I want to set up a loan intermediary? Bian Xiao has the following suggestions here, hoping to help you solve the problem.

Find materials

First of all, if you want to set up a loan intermediary, you need to have personal qualities. Whether you can promote your own company, followed by good management skills, so you need to be inclined to choose this aspect when choosing a major in a university. It will be more convenient to start a business after that. It should be noted that if you don't know enough, you can train your practical ability by participating in some training institutions.

Consult parents

If you want to set up a loan intermediary, then you should ask your parents for advice at this time. If you are not sure whether you have the ability to do it, then you need to choose carefully, because after all, parents have taken care of themselves for many years. Then you will have a corresponding understanding of your learning ability and give reasonable suggestions.

Search on social platforms

I believe that after all, it is the first time for everyone to start a business, so their ability is still slightly insufficient. At this time, you can search some knowledge on social platforms, and you can also promote your company information. It should be noted that suggestions that are beneficial to you can be adopted reasonably.

I want to get a loan through an intermediary company. I don't know what to pay attention to.

Mainly divided into the following five points:

1. During the transaction, make sure that the seller's double certificates are complete, and all the co-owners on the property right certificate sign in person, before the sales contract becomes effective, so as to prevent signing on behalf of others or omission.

Second, the expenses involved in the whole transaction process are not collected at one time, so it is necessary to clarify all the detailed expenses in advance as far as possible to avoid adding various miscellaneous fees in the middle.

3. Choose a well-known celebrity or a formal real estate agency as the supervisor of the delivery of funds and houses by both parties to the transaction, so as to ensure the smooth transfer of ownership after the payment, or the house and money are paid off after the transfer.

4. The buyer should pay attention to whether the purchased house is in mortgage state to determine the transaction and occupancy time. Extending the loan time after the transaction will bring a lot of unnecessary trouble.

5. The buyer should clearly determine the conditions and expenses required for the loan before the transaction to prevent the transaction loss caused by the loan problem after the transaction.

Extended data:

(1) Real estate transaction is also called real estate transaction. Real estate transaction is a market transaction activity between real estate transaction subjects with real estate as a special commodity as the transaction object. Real estate transaction is an extremely professional transaction.

There are many forms and types of real estate transactions, each of which requires different conditions, different procedures and related procedures. Especially in China, due to the special period of transition from planned economy to market economy, many real estate rights are not standardized, some can be freely transferred, some are restricted, and some are prohibited.

(2) Classification of transactions

1. According to different transaction forms, it can be divided into real estate transfer, real estate mortgage and real estate lease.

2. According to the different land rights in the transaction object, it can be divided into state-owned land use right and its above-ground real estate transaction and collective land use right and its above-ground real estate transaction. For the latter, most of the existing laws prohibit or restrict its transactions. So in China, generally speaking, real estate transactions only refer to the former. The former can be further classified according to the different nature of land use right transfer or extraction.

3. According to the different restrictions on the transaction objects, it can be divided into restricted transactions (such as the transaction of allocating land use rights and real estate on the ground, the transaction of housing with welfare nature and the transaction of occupying land use rights, etc.). ) and unrestricted transactions (such as commercial housing transactions, etc. ).

4. According to the different conditions of the transaction object, it can be divided into simple land use right transaction, real estate option transaction and real estate right transaction.

Can individuals be loan intermediaries?

Legal analysis: Yes. However, the intermediary institution should be a financial information intermediary company established in accordance with the law and specializing in lending information intermediary business activities. Lending information intermediaries shall follow the principles of legality, honesty, voluntariness and fairness, provide information services for borrowers and lenders, safeguard the legitimate rights and interests of borrowers and lenders, and shall not provide credit enhancement services, directly or indirectly raise funds or illegally raise funds, and shall not harm national interests and social public interests. As long as its behavior violates the relevant contents of the Measures for the Administration of Intermediaries, the loan intermediary will still be violated.

Legal basis: Article 5 of the Company Law of People's Republic of China (PRC) stipulates that a company engaged in business activities must abide by laws and administrative regulations, observe social morality and business ethics, be honest and trustworthy, accept the supervision of the government and the public, and assume social responsibilities.

Is the loan intermediary easy to do?

it is quite easy to do so.

Threshold of loan industry

As a newcomer to a new industry, she always pays attention to the threshold of this industry, and so does this girl, who asks many related questions as soon as she comes up.

In fact, if you ask me, there is no threshold for the loan-helping industry, that is, the loan intermediary. As long as you are willing to study hard and have the help of the old people in the company, you can start to handle some simple business independently in two or three weeks.

And what I'm talking about here is the whole business process from docking customers to docking lending institutions. If your company has independent risk control and warrant personnel, it is not impossible to get started in three to five days. Of course, the premise is that both EQ and IQ are online and can communicate with people in every link normally.

I'm talking about getting started here. Docking some simple businesses, such as personal credit loans, is definitely not comparable to those who have been in business for three to five years.

As for the academic requirements, again, as long as you can bear hardships and are willing to study. Don't be scared by the requirements of some recruitment websites. If you find a loan intermediary company that requires a college degree or above, skip it directly. They don't want to recruit people at all. They are just advertising.

In recent years, I have seen the great god who graduated from junior high school, and I have also seen many famous schools with dregs. Education doesn't mean anything. However, what is certain is that the higher the education level, the faster the speed of learning new things. This is an iron law, but at least in the lending industry, there is no direct positive correlation between education level and performance and income.

To tell the truth, this industry has a very low threshold and a large number of employees, so the good and the bad are mixed, and therefore the elimination rate is extremely high.

According to my observation and estimation, the retention rate of people in the lending industry is about 40% in one year, 20% in two years and 1% in three years. Of course, the income has also increased exponentially. As far as my colleagues are concerned, there are many people with an average monthly income of 30-60k, and even a few people earn more than 100W, which is also the charm of this industry.

What qualifications do loan intermediaries need?

What qualifications do loan intermediaries need? Loan intermediaries need to have relevant business licenses. According to China's laws, a loan must meet six conditions, namely: (1) has legal status; (two) a stable economic income, good credit and the ability to repay the principal and interest of the loan; (3) There are legal and effective housing purchase and overhaul contracts and agreements and other supporting documents required by the loan bank; (4) Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house; (5) There are assets recognized by the loan bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors; (6) Other conditions stipulated by the lending bank.

How to establish a bank channel if you want to set up a loan intermediary?

The channels of loan intermediaries and banks are generally official channels, which require you to have the ability of business cooperation and the docking ability of external channels.

Strictly speaking, loan intermediaries are generally made by banks or related staff. If you don't have any means to expand your business, you want to be a loan intermediary on your own wishful thinking. I think there is a good chance that you can't do it. In short, people who can be loan intermediaries will not ask questions online, and those who can't ask questions are useless.

First, you need to have the official cooperation channel of the bank.

This channel can be obtained through bidding or internal relations of the bank, but in any case, you need to open business channels with the bank first, and then apply to the head office. Basically, all banks will not cooperate with loan companies privately unless they have to. Strictly speaking, it is not difficult to apply for a loan intermediary if you can access the official cooperation channels of the head office.

Second, the audit of external channels will generally be stricter.

If you do have certain technical and financial advantages in cooperation, you can consider applying to the government through external channels. Applying through official channels has many advantages, which can not only give you nominal normal qualifications, but also enhance your credit endorsement, which is of great benefit to your future business development. However, the audit requirements of official channels are generally strict, and there are more restrictions on the licensing of industrial and commercial information.

Third, you can also consider contacting the bank's credit manager.

This method is a commercial attempt. For many banks, banks will set up individual loan managers and mortgage managers in each branch. If you really don't know how to expand your business relationship and can't meet the standard of formal application, you can try to contact the loan manager of the branch. These managers will have first-hand resources. Although they may not have the right to speak in business cooperation, you can get some business information through communication with them.

I want to be the intermediary of the loan platform, so let's stop here.