Who will help to issue the credit?

Who will help to issue the credit?

Who will help to issue the credit?

According to statistical data, delivery of 80 % of all credits in America and about 70 % in the European countries are carried out thanks to such participant of the financial market, as the credit broker. Institute «credit brokerage» is in Russia at a development stage. But only one appearance of credit brokers testifies to that, as here people are ready to reduce in such way the labor costs in the course of search of the suitable credit program.

Idea of activity of the credit broker at many uncertain also leads to in advance negative installations. Many consider that the credit broker is the specific person, rendering services of different character (intermediary consulting or realtor). In their opinion, it is the nonprofessional, pursues only own benefit, and his consultations заангажированы. However actually the credit broker is an independent expert who can help with a choice of the optimum credit program and perform for the client all work concerning receiving the credit in bank. You should visit only bank for signing of the credit agreement and receiving a sum of money.

As to specifically broker products, those are intermediary services. There are different types of services depending on their character. It is necessary for intermediary to organize cooperation of the parties correctly. The initial point is existence of the concrete goods, which buyer in accordance with general practice because of any reasons cannot get. In a case with credit brokers as the goods credit programs of banks act. Thus, the broker product is a set of the services directed on ensuring of effective interaction of the parties and achievement of consensus between them.

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