4 steps to get a bank loan without going through an intermediary

Many people now prefer to go to a loan intermediary before getting a loan, and the most loan sales calls they receive are from intermediaries.

Although it would be easier to entrust a loan intermediary to handle the matter,ofw loan without ccsl the service fees charged by the loan intermediary give many people a headache and helplessness.

Many people think that they can save a service fee by going to the bank and applying directly.

Today I will share with you how to apply for a loan at the bank.

Before applying for a loan, be prepared:

1. Make a credit report

First,personal loan calculator take your ID card and go to the People's Bank of China or a bank where you can get a credit report and print out a personal credit report.

2. Organize your income situation

After returning home, sort out your work situation, mainly from the following aspects: social security inquiry account and password,student loan provident fund account and password inquiry, bank salary payment record

3. Find a bank

Try to choose nearby banks, you can choose 3-5, mainly commercial banks. After planning the route, bring your credit report and go directly to the bank you selected in advance for consultation. Say that you want a loan and want to know how expensive it is. Bank loan products.

If the route is reasonable, you can basically visit 3-5 banks a day. After understanding each bank's loan products and requirements, return home and compare your conditions to see which one is more suitable.

4. Concrete communication

After some understanding, after confirming the bank, go directly to the bank again and make it clear that you want to apply for a loan. At this time, there will usually be a loan manager to receive you. At this time, the bank manager will consider whether to apply for it based on your situation.

They will give a rough judgment on how much money can be borrowed and how much interest will be based on their experience.

Of course, these four steps should be completed 7 days in advance as much as possible, because the validity period of the credit report is 7 days after it is printed. If it expires, some banks will require you to reprint the latest one.

The above four steps are mainly for people who have stable jobs, at least have five insurances in their current unit, have worked for one year, and have a good credit score.