Banking. Why do you need a credit broker? (the most important)

Lecture notes, cheat sheets
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Banking. Why do you need a credit broker? (the most important)

Lecture notes, cheat sheets

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Topic 94. Why do I need a loan broker?

1. There are several hundred banks in Moscow, they all say that they lend, they indicate this service on their websites.

2. In reality, most banks do not lend to clients "from the street", rather they need money from clients to finance the business of the founders and firms friendly to the founders (real owners).

3. Some banks were specially created to raise funds for the purposes of their creators.

4. Those (few) banks that lend are inundated with applications, most of which are initially impassable or illiterate from the point of view of bankers who value their time and who are easier to refuse than to engage in free training of clients in financial matters.

5. As a rule, the main profitability of many banks is operations that have nothing to do with lending to clients "from the street."

6. Many bank employees have plans to raise funds from customers, swindle them into "different services", dynamize for as long as possible - as a result, there is no loan, and the bank received income.

7. The actual terms for considering clients "from the street" are many times longer than those declared, sometimes several months.

8. For "off the street" clients, it is necessary to immediately collect dozens of documents, for "our own" - a preliminary decision remotely.

9. Wasted time and money is much more expensive than the average broker's fee.

Authors: Shevchuk D.A., Shevchuk V.A.

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