Credit broker: reviews, who helped, services and features

It would seem that it is worth getting a loan? Find a suitable bank program, collect the necessary documents - and that's money in your pocket. But in fact, everything is not so simple. Often people who saw an advertisement for a particular lending program face the fact that in reality the conditions turn out to be completely different, and sometimes this discrepancy is revealed already at the stage of signing documents that the client, unaware of all the subtleties of the process, can swing without looking. To minimize the risk of errors on the part of the client and to check the integrity of the bank, and there is a credit broker. Feedback, who helped, what these experts contributed - all this information you will find further in our review. Let's try to understand the essence of this profession now.

Who is it?

In short, a loan broker is an intermediary between a bank and a potential client. Its work is comparable to what realtors do: a broker looks for the program that is optimal for a particular client, while he has information about all possible options and can explain the difference to the client, then the broker helps to collect all necessary documents, and at the last stage of his work he Already makes sure that the bank was extremely honest with respect to the client.

Of course, all this can be done independently, without interfering with an outside specialist. But most of the positive collects credit broker reviews. Who helped these specialists, they already understand how facilitated the participation of a third person in their relationship with the bank.

What is he doing?

It is worth noting that real credit brokers who help, reviews about themselves collect the best, thus promoting their profession. A broker can be useful not only at the stage of finding the most advantageous credit program, but also in the presence of an existing loan: the specialist will tell you whether there is the possibility of changing the size of payments, their schedule, and whether there are, in principle, options that will help the borrower to pay its debt with Minimal losses for your budget. That is, it is never too late to apply to a credit broker: even if you already have a suitable lending program, it is better to insure yourself and consult a specialist, whether everything is as smooth as you think.

Underwater rocks

But on any work there are people defaming it. The profession of a "credit broker" was not an exception. Reviews, to whom they helped, how they helped - all this information can be fabricated to cover the criminal activities of a specialist. For example, a borrower can not count on a loan because of a low level of income or a not very good credit history, in such cases a "black" broker helps to hide all the undesirable nuances of the client's biography, thus deceiving the banks.

There is also the opposite situation: a broker, having an agreement with a certain banking institution, leads its customers there, even if other banks have much more favorable lending terms. It is worthwhile to think twice before contacting a broker who is ready to do his job with almost a free hand, which can signal that the specialist is not as clean as he wants to appear.

How to choose? Based on reviews

So, how to choose the right credit broker? Reviews, to whom have helped already, the location, advertising - which part of the information should influence your choice? All of the above! Now very many rely on the feedback of previous customers, considering them almost the truth in the last resort. Yes, it is worth to find out what other people think about this or that broker, but still trust all that is written, especially on the brokerage company's official website, not worth it. The employees themselves can register positive comments, registering under different names, negative responses can be deleted. Therefore, when choosing a company according to reviews, make sure that the style of writing the latter is different (all people can not use the same offers and turns), besides, along with the opinions of satisfied customers, there should also be those who left Those or other questions.

And also look at the location of the office

As for the location of the office, it is worth paying attention to its "settledness". A company that has been working with customers for a long time will necessarily have a city phone number; in the office itself, its abode will be felt - yet people eventually adjust their workplace to themselves. Special attention should be paid to the information stand, which should contain information about the institution's license, the schedule of work, the necessary phone numbers and a book of complaints and suggestions.

And pay attention to advertising

Advertising should be even more cautious: it is unlikely that ads that are printed on a black and white printer and glued to the posts, belong to a really reliable brokerage office. In no event should one believe in advertisements that promise to help in a credit transaction on the most favorable terms only "within a week" or some other promotional time limits. Usually unscrupulous brokers just so entice credulous people to then run away with their money. So, choosing a broker, check everything: what is the reputation of a credit broker (reviews, who helped), the result of his work (whether the customers were satisfied), the location of the office and its advertising. In addition, to make a final decision it is possible to apply to the "National Association of Credit Brokers and Financial Consultants", whose members are only those companies that not only have a license but also provide really high-quality services.

Loan broker in Moscow

How to find all the necessary information: where to find such a specialist as a good credit broker, reviews, who helped? Moscow is a city that can give quite specific answers to all these questions. So, the best brokerage offices of the capital are "Kreditmart" and "Ideal Consulting".

"Kreditmart", whose branches are located throughout the city, works not only with banks, but also with insurance and investment institutions - that is, consultations of specialists are possible in many directions. The company offers more than five hundred different programs aimed at solving financial problems of clients - mortgage, lending and other banking operations. At the same time, some clients say that the company greatly overestimates the cost of its services and requires payment of almost every step of the lending operation.

Among the approved by the National Association of Credit Brokers and Financial Consultants there is also "Ideal Consulting", whose specialists work not only in the field of consulting, but also legalize the logistics and customs services, and also help in business administration. Membership of this company in the AKBR (namely, abbreviated as the aforementioned association) confirms its professionalism and reliability. A versatility allows you to have a huge network of customers.

Services of a credit broker in St. Petersburg

"Fosborn Home" is the oldest credit broker of St. Petersburg. Reviews, who helped, how they helped, what the results of the work were - all these questions are answered by customers with their own stories, which only confirm the good reputation of this company. The scope of activity of Fosborn Home is credit counseling for businesses and individuals, mortgage counseling, and assistance in working with real estate (both the selection of the most suitable premises and the assistance in their sale). The network, which has been on the market for more than ten years, has branches in many cities of the country.

Interference with the broker

Now, when we already have an idea of who such credit brokers are, it is worth asking them - this is the next question. From the minuses of the mediator services one can call a commission (usually it is about 2% of the transaction amount, however, in some cases the broker can request 20%, in this case, the operation is likely to be related to crime), and still superfluous, according to some , Scrupulousness of consultants who try to collect as much information about their client.

In defense of brokers, we can say that they are forced to exercise excessive caution, finding out every little thing that may somehow affect the receipt of a loan or a mortgage.

Is the game worth the candle?

And what about credit brokers? Are they really necessary when making deals? Some experts note that during the existence of brokers their role has completely changed: initially people turned to them because they did not possess sufficient knowledge for independent banking operations. Today, customers often want to save their time - that's why they entrust all the necessary papers to a third party.

Of course, even trusting your banking business specialist in this business, you need to have at least the slightest idea of the loans that you are interested in: taking advantage of the client's ignorance, an unscrupulous loan broker can easily offer not the best option. Plus, if what the consultant offers is not suitable for you, you still have to pay for the services. Yes, if you want to spend a minimum of effort, you need credit brokers. Whether it is necessary to address them for help - decide for yourself.

What do people think?

The credit broker collects the most controversial about his work. Some believe that this is only extortion of money, they say, the consultants themselves do not comply with all the conditions prescribed in contracts with borrowers, and for their services they are losing huge money, delegating the client to financial organizations that issue loans at huge interest rates.

Others note that competent specialists helped them to get a loan even with a not very good credit history, and in general they helped to find the best option for obtaining a loan. How many people, so many opinions - everyone knows this. But still pay attention to the feedback of previous customers when choosing a broker, as already mentioned above, it is necessary.

Conclusion

Now we know who the credit brokers are. Everyone can make their own opinion about their need for credit operations. Of course, among the experts come across and charlatans who have agreements with banks and lead customers exactly there, absolutely not caring about the interests of the borrower, there are those who help fix all the dark spots in credit history. What to say, in any profession there are those who are impure at hand. But still, many people agree that consulting brokers, their help in preparing all the necessary papers and controlling the process of obtaining a loan have made it much easier for a rather unpleasant and complicated banking operation. Yes, you can do everything yourself, but it's better to entrust some business to professionals.