抵押贷款经纪人 vs 银行 – 有什么区别

为你的房屋贷款获得最佳利率是购买房产的最初步骤之一。无论你是第一次买房还是投资住宅物业，你都可以通过几种方式来进行。大多数两个标准选择是直接向银行申请或通过抵押贷款经纪人。这是一个关键的决定，可以使你的购房计划成功或失败。

特别是，第一次买房的人往往要经历一个冷酷无情的过程，做他们的第一次再融资，以获得申请的批准。有一大堆事情需要考虑，因为你不希望经历了申请抵押贷款的整个过程，却被告知你的申请不会获得通过。因此，必须寻找有经验的专业经纪人或贷款人，使房产过程的这一部分不那么令人担忧。

然而，你应该求助于谁？抵押贷款经纪人还是直接银行借贷？

因此，我们将看看抵押贷款经纪人和银行贷款的优点和缺点，以帮助你识别差异并决定转向哪一个

使用抵押贷款经纪人的优点和缺点是什么？

• 优点

- 根据无与伦比的最佳利益义务进行操作： 法律上要求抵押贷款经纪人以客户的最佳利益行事，他们引导客户选择对他们有利的产品，而不是经纪人，即使这对经纪人没有多大好处

- 对贷款过程的深刻理解： 抵押贷款经纪人可能能够向那些对自己驾驭过程没有信心的人解释买房的细微财务问题

- 获得广泛的银行和贷款人的支持: 根据客户的财务状况，有几个房屋贷款银行选择，而不是简单地与你已经有的银行供应商合作

- 一站式联系：在工作时间内的任何时候都可以解决查询和关注的问题，而不需要进行预约

- 抵押贷款经纪人对借款人来说是免费使用的：抵押贷款经纪人是通过批准你的申请的贷款人或银行的佣金来支付的

• 弊端

- 对你的申请没有保证：抵押贷款经纪人会向客户提供他们所有的最佳建议和服务。但是，不能保证客户的申请成功。

使用银行的优点和缺点是什么？

• 优点

- 在线提供信息：客户Clients can easily access home loans and compare home loan rates from a different range of banks. The application can also be easily processed with just one click on their website

- One less process for existing customers: If the Client is already a customer with the bank, the structure of home loan application will be provided based on the products that Client already have

• Cons

- Not the best interest duty: Banks are typically bound through customer credit code, and thus, the bank will only offer products to the clients even if it is the best market for the Client's financial circumstances

- Limited home loan product choice: The client can only have access to the loans offered by the banks or the lenders

- Longer application processing time: In most cases, one or two extra steps might be involved during the application process time, such as call centre staff, mortgage lending personnel, or delays with a property valuation

- Misinterpretation of application approval: Sometimes, credit assessors can misinterpret the Client's application due to missing documents, vague understanding of the client's financial information, etc.

Which option is better for me?

Ultimately, there is no right or wrong option. Applying for a home loan could be a very stressful time, and you should go with the method in which you are most comfortable. If you are unsure of your decision, one piece of advice is to ask different opinions from multiple lenders or brokers.

At KBRZ, we have a professional loan brokerage team with strong finance backgrounds and years of experience. Feel free to speak to a KBRZ home loan specialist by sending us a quick email through info@kbrz.com.au