Is it profitable to open a loan agency?

Which one is more profitable, a loan intermediary or a barbecue restaurant?

Loan intermediaries are very profitable.

Loan intermediaries are profit-free, and their income comes from customer loan fees. The general handling fee is 3%-10% of the loan amount, which is really profitable.

Is it easy to be a loan intermediary?

It is quite easy.

The threshold of the loan assistance industry

As a newcomer entering a new industry, you will always pay attention to the threshold of the industry. The same is true for this girl. She asked many related questions when she came up.

Actually, I would like to say that in the loan assistance industry, that is, the loan intermediary, there is no threshold at all. As long as you are willing to endure hardships and learn, and have an old person in the company to guide you, you can get started in two or three weeks and start to handle some simple matters independently. business.

And what I’m talking about here is the entire business process from connecting with customers to connecting with lending institutions. If your company has independent risk control and warrant experts, 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 you can communicate normally with people in every link.

What I’m talking about here is getting started. Dealing with some simple businesses, such as personal credit loans, is definitely not comparable to those who have been in the industry for three to five years.

As for academic requirements, again, as long as you are willing to endure hardships and study hard. Don’t be frightened by the requirements of some recruitment websites. If you find a loan intermediary company that requires college education or above, just jump over and criticize them. They are not trying to recruit people at all, they are just advertising.

Over the years of working in the industry, I have met great people who graduated from junior high schools, and I have also met many scumbags who graduated from prestigious schools. Academic qualifications cannot explain anything. However, it is definitely true that the higher the cultural level, the faster one can learn new things. This is an iron rule. However, at least in the loan assistance industry, there is no direct positive relationship between cultural level, performance, and income.

To be honest, because the threshold for this industry is extremely low, there are a huge number of people working in it, so there is a mixed bag of good and bad, and therefore the elimination rate is extremely high.

According to my observations and estimates, the staff retention rate in the loan assistance industry is about 40% in one year, 20% in two years, and 10% in three years. Of course, the income is also increasing exponentially. As far as my colleagues in the industry are concerned, there are many people with an average monthly income of 30-60k, and even a very small number can earn more than 1 million per year. This is also the charm of this industry.

Is it better to make money by opening a loan company or by opening a construction company?

To make money by opening a loan company.

To make money in the loan industry, you need to have customers and get money quickly. The money from investment companies and loan companies is all the money of banks or investors.

First of all, you must have certain professional knowledge, such as making mortgage loans. You must know the basics of real estate and have enough ability to open a loan company, which is the most profitable.

How do intermediary companies make money?

Question 1: How do real estate agencies make money? The main income of an intermediary comes from the commission after helping buyers and sellers complete transactions. Most of the intermediaries in China are intermediaries. So I asked my superiors and subordinates to pay together. The current charging standard is 2% of the total amount for buying and selling (both the upper and lower parties bear half). Generally speaking, the money is collected when the transaction is successful, or when it is about to be successful. More often, it is paid in installments and the agreement is signed. Part is paid, part is paid during the contract, and part is paid at the end of the transaction. It’s almost the same for renting, the standard is 70% of the monthly rent

In addition to the main income, there are other incomes based on sales, such as rebates from banks and rebates from insurance companies when applying for bank loans. , and now some intermediaries are helping to sell some first-hand properties, which can also provide part of the income.

From a customer perspective, the role of an intermediary is to provide more information, more people to buy houses and more housing options, as well as some professional services (such as procedures, legal consultation, etc.) . This is the basis for intermediaries to make money. Simply put, it means spending money to get things done (buy and sell faster, buy and sell at the right price, and have multiple people doing the legwork). Of course, there are also disadvantages. The most serious one is that some intermediaries have standardized operation departments, and some even have methods to cheat money, but this is rare. The most common thing is that your information is known by the intermediary, and your phone number will always become their information, and they will continue to make business calls.

I get calls from different agencies from time to time, and the questions keep repeating: Hello Mr. XX, has the house in Room XXX, No. XX, XX Village, been sold? If it has been sold, do you want to buy it now, or not? Ah, do you want such a cheap store? Don't think that no one will call you after a long time. After a few years, people will call you, in extreme cases, more than ten a day.

Question 2: How do intermediary companies make money? Please elaborate on how intermediary companies make money. There are no more than two profit models of intermediary companies: 1. Charge intermediary fees from applicants. This is generally used when recruiting workers for others. The method mainly gives the applicant greater advantages. For example: the salary is very objective and the conditions and benefits are very good. Generally, it is charged to the applicant! 2. Collect from companies or individuals who need to recruit. This method is relatively common. Recruitment companies will find intermediaries because they need talents, so they generally assume that they are willing to pay to recruit! 3. There is also a darker one, which charges money from both sides. Of course there are such companies! Have a happy life and welcome to adopt!

Please accept it, thank you!

Question 3: How does real estate agency make money? Second-hand housing agency fee standards and relevant legal regulations:

1. In order to standardize the market price behavior of economic services for housing sales and reduce the burden of economic services for housing sales, the Central Development and Reform Commission and the Housing and Urban-Rural Development Commission jointly issued the "Notice on Reducing the Fee Standards for Housing Sales and Brokerage Services" (hereinafter referred to as the "Notice"). The "Notice" stipulates that house purchase and sale brokerage service fees shall be borne by each party half or determined by negotiation between the buyer and seller; the house sale and purchase brokerage service fee shall not exceed 2%.

2. Other services provided by real estate brokerage agencies (hereinafter referred to as brokerage agencies) shall be voluntarily chosen by the parties involved in the purchase and sale of the house and shall be clearly agreed upon in the house purchase contract. Among them, the fee for agency real estate registration service shall not exceed 500 yuan/case; the fee for agency loan service shall not exceed 300 yuan/case; the fee for handling house check-in related procedures shall not exceed 200 yuan/case; other services provided according to the request of the client shall be implemented The market-adjusted price is negotiated between the client and the brokerage agency.

How to calculate second-hand housing agency fees:

1. Generally speaking, the second-hand housing agency fee is 1% to 2% of the transaction price of the house. However, there is currently no unified regulation on intermediary service fees, and they are generally charged according to industry habits. So let’s take a look at the general charging standards for second-hand housing agencies.

2. Nowadays, the agency fee for second-hand houses is generally charged at 2.7% of the total house price, including 2.2% agency fee and 0.5% guarantee service fee (guarantee fee). Small intermediary companies generally charge 1-1.5% of the transaction price of second-hand houses. Sometimes they can charge whatever they can if they really can't charge it, because the second-hand house agency fees they charge are all their own profits.

3. The intermediary company said that the 2.7% economic service fee already includes real estate registration, second-hand house check-in related procedures and other fees. Home buyers only need to pay an additional 80 yuan for the cost of the house and a 1,500 yuan provident fund loan guarantee collected by the company. .

Second-hand housing agency fees can be negotiated:

1. Of course, the second-hand housing agency fee can be bargained. Although the competent authorities stipulate that for a few particularly complex residential sales brokerage services, the second-hand housing agency fee must be negotiated and agreed by all parties to the transaction, but it can be appropriately increased based on the prescribed charging standards. The range shall not exceed 10%.

2. Get to know people in second-hand housing agency companies,

Note: Nowadays, second-hand housing agency fees are generally charged at 2.7% of the total house price, including 2.2% agency fee and 0.5% guarantee service fee ( Guarantee fee), small intermediary companies generally charge 1-1.5% of the transaction price of second-hand houses. In fact, second-hand house agency fees are generally charged in accordance with industry practices. The above is a summary of the knowledge about second-hand housing agency fees. I hope the above content can help you.

Question 4: How do real estate agencies make money? Brother, if you want to save agency fees, just be honest. How can you be so frivolous if you are not experienced in the world?

Okay, let’s get to the point:

Agents make money by collecting agency fees, which are now generally 2% of the total house price.

According to what you said, if you can really find the landlord, and he is willing to bypass the intermediary and deal with you directly, then you will save the intermediary fee.

However, some agents will sign an agreement with you before taking you to see the house, which means that if they show you this house, you will eventually buy it but not from them. You have to pay him liquidated damages.

Even if you don’t sign, there are still problems. The first is that the landlord is not willing, because generally the agency fees are paid by the home buyers, so it is not good for the landlord to bypass the agency, and the landlord will be worried It will be very annoying to be cheated or feel that no one will help you with the follow-up procedures.

The second is, can you handle all the processes yourself? Pay deposit, sign house purchase agreement, pay down payment, house appraisal, apply for mortgage loan, apply for transfer of ownership, review taxes, obtain certificates, house inspection and delivery, transfer of property water and electricity. It’s really difficult if you don’t have a knowledgeable person.

So I typed so much by hand that I didn’t even get the 15-minute answer reward. Do you have the heart not to give me points?

Question 5: How do real estate agencies make money? How to make money by doing this: If you are selling a house, go to the intermediary to register information. If you are buying a house, go through the intermediary information. The intermediary will lead you to view the house. If the transaction is successful, the intermediary company generally charges an intermediary fee of 1% of the transaction amount.

Question 6: How does the employment agency make money? 1. Charge job search fees from job seekers and recruitment units. 2. Share a certain percentage of the job seeker’s first month’s salary. 3. Draw commissions, such as For short-term workers who are billed by the hour, the recruiting unit pays 80 to the employee, and the agency takes 20. The actual charge for applying for a job is 60. Question 7: How does a talent agency make money? The agency generally collects fees from the supply and demand departments. In the past, a person who wanted to find a job would give his details to an agency. The intermediary uses the resources at hand to understand which company lacks such talents. Collect the referral fee from the provider. Ask for intermediary fees from where required. Nowadays, it is generally done through the Internet, so the agency basically has no business. If it is done, it is only to extract the introduction fee from the source. There are fewer places for offerings.

Specific operations:

1. Set up a recruitment intermediary point. Buy a local business phone book and call the company to tell them about the resources at hand;

2. Use your own connections and intermediaries to find workers and tell them about the company’s recruitment situation and make introductions;

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3. Post advertising information at the intermediary point;

4. Finally, wait for the customer to come to your door and contact you by phone.

Question 8: I want to open a human resources agency. Can I make money? Let’s see how other agencies operate, understand how much the rent is, how much the agency fees are, and then calculate the costs and fees. , Under what circumstances can you make money, and under what circumstances can you not make money. Let’s take another look at what the current intermediary situation is like, and what is the possibility of such a situation happening. After 7 analysis and 8 analysis, the answer will naturally come out.

Question 9: Find out how real estate agencies make money 1. Earn huge price differences

There was a saying in the real estate agency industry: "If you don't open for half a year, you will eat if you open. "Half a year" means that Shanghai's second-hand housing real estate agents earn the price difference, and the money they earn at one time is equivalent to half a year or several years' income. Generally speaking, there are two main ways for real estate agents to earn the price difference: 1) Real estate agents directly access the transaction, that is, when they see a property with a lower price, the real estate agent pays to acquire it by itself, and then sells it; 2 ) uses the method of entrusting an agent and raising the price to sell, leaving aside the homeowner and directly negotiating with the buyer to conduct transactions. shzyshange44

In the process of rising housing prices for second-hand houses in Shanghai, real estate agents usually buy the houses with their own money and then resell them, profiting from the price difference, and at the same time further pushing up housing prices.

Relevant departments have always prohibited "eating the price difference". The Ministry of Housing and Urban-Rural Development, the National Development and Reform Commission, and the Ministry of Human Resources and Social Security have jointly issued the "Real Estate Brokerage Management Measures". The "Measures" stipulate that real estate brokerage agencies and personnel are not allowed to engage in earning price differences, assisting in signing "yin and yang contracts", or providing services that do not meet the transaction conditions and are prohibited from trading. Providing brokerage services and other illegal activities.

Therefore, if you have conclusive evidence to prove that the real estate agent "ate the difference" in the transaction, you can recover the losses through legal channels.

2. High commission ratio

The salary of real estate agency employees generally includes two parts: basic salary and commission. Generally speaking, commissions are definitely the bulk of the commission. Beijing has issued a policy on the real estate agency commission ratio, which should not exceed 2%. However, in terms of actual implementation, each agency company is different.

Shanghai second-hand housing real estate brokerage companies generally charge an agency fee of 2.7% by splitting their business content and taking advantage of policy loopholes.

3. Rising housing prices

Rising housing prices are an environment in which real estate agencies rely on to make money and survive. Rising house prices are good news for real estate agents. Real estate transaction commissions are generally 2% of the transaction price. At the end of 2014, house prices were sluggish. For a house priced at 1 million, the intermediary charged a commission of 20,000. Due to the country's loose policies at the end of 2015, house prices picked up in 2015. If the price of this house rose to 1.3 million, the intermediary would be able to charge to a commission of 26,000. shhuang44ss

One year's housing price increase may have a relatively small impact on real estate agency commission income. Let's take a look at the impact of 10 years' housing price increase on agency income. According to statistics from Shanghai Zhongyuan Real Estate Agency, from May 2004 to March 2014, housing prices in Beijing, Shanghai, Guangzhou, and Shenzhen increased by 374%, 346%, 505%, and 420% respectively.

Assuming that the proportion of commissions remains unchanged, such a high increase means that real estate agency commissions have at least tripled in these four cities. Therefore, the level of house prices has a great impact on real estate agencies.

4. The work is very hard

We do not rule out the existence of black real estate agents, but we cannot deny the hard work of real estate agency practitioners. Every day, real estate agents not only have to receive customers, search for properties, and find customers, but they also have to sign contracts and visit business districts. In addition, they have to keep learning about real estate.

According to industry insiders, real estate agency employees generally work more than 13 hours every year, except for New Year’s Eve and the third day of the Lunar New Year. You have to be on call at all times, and often have irregular meals; you have to make 50 to 100 phone calls every day. From this, it seems that real estate agents are indeed very hardworking.

Moreover, if you want to earn millions as a real estate agent, you also need to have strong abilities, such as how to flatter customers, how to get customers to buy a house, how to attract customers, how to bargain with customers, and how to describe shortcomings. Advantages and more. shangeshgh

Data from the real estate agency industry show that the number of real estate agents across the country has exceeded one million, but only tens of thousands of them have qualification certificates. Therefore, the real estate agency industry is not yet standardized, and it involves real estate agencies. It happens a lot. Therefore, when buying a house through a Shanghai second-hand real estate agency, you must be more cautious, fully understand it before signing the contract, and keep the invoice documents during the transaction.

Question 10: Does an intermediary company make money? It depends on what kind of intermediary it is, including real estate, talents, and of course marriage

How can you make money as a loan intermediary?

First of all, you must understand that no industry can make money from the beginning. It is even more difficult for the loan intermediary industry to deal with money. It takes time to build experience and clients before you can start making money. And now, it is not as easy to make a loan as it used to be. Not only because of the negative news in the past few years, the public has a bad impression of practitioners in the industry, but also because the barriers to entry are low and you can earn more after getting familiar with it, so there are A large number of people are coming in, and the competition is becoming increasingly fierce.

If you just rely on traditional intermediary methods, you may only be able to support yourself. If you still have a family, it may be a bit difficult. So change. Either you become your own boss and close the channel, or you upgrade your customer acquisition methods (the state supervision of telemarketing is getting stricter, so the effect will definitely be greatly reduced), or you change careers.

This is my personal opinion, please adopt it as appropriate.

That’s it for the introduction of whether it is profitable to open a loan agency.