Intermediate loans - advantages and disadvantages of small credit intermediaries
Many people are sceptical about the services offered by the credit intermediary. Quite wrongly, because thanks to his advice we can avoid problems when taking out and paying off a loan. When and why is it worth to use the offer of a loan intermediary?
Many of us are still looking at the services of a credit intermediary with a suspicious eye. The most important argument of opponents of such a solution is its alleged unprofitability, and the advice of a professional intermediary is perceived by them as unnecessary expenditure. However, such opinions are the result of a complete ignorance of the specificity of his work.
A credit intermediary will find the best offer
Finding the best loan in a given situation without the help of a loan intermediary is not easy. It requires a tedious search of offers, comparing them and assessing whether we will meet the expectations of the bank granting the loan. The intermediary will choose for us offers that do not exceed our capabilities. Thanks to his advice, not only do we increase the probability of a positive decision by the bank, but we also avoid mistakes, which can have really serious consequences. And this without additional expenses, because the credit intermediary receives commission from the bank - not from us.
Assistance in difficult situations
Obtaining credit when you are not creditworthy, when you have a number of obligations or when you are not employed under a work contract is quite difficult. In such a situation, we often apply to many banks, which is a big mistake, because refusals further reduce creditworthiness. It is better to decide on the help of a credit intermediary who knows very well the offers of the banks and knows in which of them is the greatest chance to obtain credit.
With a credit intermediary you save time
It is also worth deciding on the help of a credit intermediary because of the time we will save thanks to it. If you don't have to search for and compare offers, it can only take an hour to find a loan instead of even a few weeks. You can get all the information you need to make a good decision in one meeting with an intermediary.
Loan with an intermediary. How to avoid problems?
Let us remember, however, that in addition to the above mentioned advantages, using the services of a financial intermediary may have some disadvantages. Many clients complain about the incompetence of advisers. The case concerns both small and large advisory firms and usually manifests itself in sticking to one offer that does not suit the client, probably related to the possibility of obtaining a higher commission. However, it is not difficult to avoid such problems - it is enough that when choosing an intermediary we use the recommendation of a trusted person or opinions available on the Internet.