Many friends are confused when they apply for bank loans and are often denied their own applications, but can be granted successfully through intermediaries. As a result, many believed that it was necessary to use an intermediary to apply for a bank loan. Indeed, this view is misleading。

Why do bank loans go through intermediaries? You seem to have misunderstood

In fact, an intermediary is not necessary to apply for a bank loan. A large number of people have been successful in their own applications, and the key is personal qualifications. If the applicant ' s qualifications were flawed, such as poor credit records, uncertain income, the overall rating would be low and easily rejected by banks. The intermediary, on the other hand, can improve the pass rate by “packaging” the applicant's qualifications and taking advantage of his/her personal relationships within the bank. This means that the adoption of bank loans depends more on the applicant ' s qualifications and the help of an intermediary than on the intervention of an intermediary。

In order to successfully apply for bank loans, applicants should be concerned about their willingness and ability to repay. First, to ensure that there are no serious delays in the record of letters, especially in the near future, without which the pass rate would be significantly reduced. Secondly, there is a need for a stable source of income. Friends with a job can submit a wage stream and no job can provide other financial proof to reassure the bank of its ability to repay。

When prepared in these areas, the success rate in applying for bank loans will increase significantly. If there is a problem with qualifications, it is recommended to optimize personal qualifications and then apply for loans, which would increase the likelihood of success。

There are many more details to note in applying for bank loans. For more information, it is recommended that more attention be paid to the content。