Brokerage companies in Moscow: rating, list of the best. Credit brokerage companies, Moscow: assistance in obtaining a loan

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Finding a bank, getting a loan, and most importantly, getting it is not an easy task, especially when it comes to rather impressive amounts. Nevertheless, brokerage companies in Moscow can help in this matter, the rating of which is compiled annually based on consumer feedback. Before choosing the appropriate office for the provision of such services, it is worthwhile to understand in more detail who these brokers are. How safe is it to work with them? And is there any benefit?

Who is a loan broker?

In fact, this person is an intermediary who helps in obtaining a loan for a certain monetary reward. By and large, a credit broker negotiates with the bank and represents the interests of the client, the latter only has to appear at the credit institution at the appointed time and sign the contract.

However, it should be borne in mind that credit brokerage companies in Moscow cannot guarantee a 100% probability of obtaining a loan for those customers who previously had loan arrears. In other words, if the borrower has acquiredbad credit history, even the best broker in town will not be able to completely clear it.

How collaboration works

Before considering the rating of brokerage companies in Moscow, it is worth studying the procedure for contacting a specialist a little more. It should be noted right away that today in the Russian Federation there are more than 3 thousand companies providing such services. Some are officially registered, while others operate without a license.

If a client seeks help in obtaining a loan from brokerage companies in Moscow, then cooperation is built according to the following algorithm:

1. Person makes an appointment with a specialist.
2. A broker reviews a client's credit history and estimates their approximate chances of successfully obtaining a loan.
3. The specialist compiles a list of banking institutions that are most likely to agree to provide a borrower with a loan for a particular amount.
4. The client chooses the most interesting conditions for him and the bank with which he wants to start cooperation.
5. The broker negotiates with the credit institution and tells the borrower where he will need to go to conclude the contract.
6. The borrower signs the contract and receives the amount of money, after which the specialist who provided assistance receives his remuneration.

When choosing the best brokerage companies in Moscow, you should immediately clarify whether an employee of the company wants to receive his percentage before the transaction is completed. If the answerpositive, it is better not to contact such an office. Since if the bank refuses, the client will not receive the prepayment back. Most often, scammers act in this way, who disappear immediately after receiving a reward.

Employees of reliable companies never ask for any advance payment. And the amount of remuneration is usually no more than 2% of the loan received. However, it all depends on the complexity of the situation. If the borrower has a very bad credit history, then finding a bank that agrees to start cooperation will not be so easy. In this case, the percentage of remuneration increases.

Can a broker really help you get a loan?

Most often, those borrowers who already have problems with credit organizations turn to specialists. Usually these are people who, due to some circumstances or simple unwillingness, did not pay the previous loan on time, which in turn led to a decrease in the credit line.

It is worth saying that lists of brokerage companies in Moscow can be found on every corner. However, this does not mean that any of the proposed organizations can really help in obtaining loans. In most of these companies, inexperienced specialists work who do not know all the intricacies of obtaining loans, provided that the client’s loan history is not the best.

If you contact a brokerage company with a high rating and positive reviews, then the chances of receiving funds at interest increase significantly.

Wheremore profitable?

When compiling the rating of brokerage companies in Moscow, the tariff rates of offices are taken into account first of all. IT Invest was recognized as the most profitable organization, in which the client pays 0.035% for a standard transaction. However, in this case, the minimum amount on the client's account must be at least 9 thousand rubles.

Also worth noting is almost the same rate at BCS, if the client purchases a package called "Start". In this case, the minimum amount of the account can be any. It is worth considering the rating of brokerage companies in Moscow, which are also distinguished by reliability and fairly favorable rates.

"Finam" - "Single Optimum"

The transaction fee for this organization is also 0.354%, but the remuneration cannot be less than 177 rubles per month for the provision of services. The minimum total amount on the client's account must be at least 2 thousand rubles.

"Vales" - "Capital-Universal"

By contacting this organization, which occupies one of the leading positions in the rating of brokerage companies in Moscow, the client can count on a fairly profitable commission from the transaction, which today is 0.036%. There is no remuneration for monthly customer service and no minimum threshold for the amount in the customer's account. However, depository services will cost 200 rubles per month.

"Alfa-Bank" - "Optimal"

In thisThe company's percentage of the transaction is 0.04% without service fees. In this case, the client can deposit any amount into the account. Subject to the depository, the order of 0.004% will be charged annually.

You should also pay attention to the programs from VTB 24 - Investor Standard (0.0413%), Uralsib - Capital Core (0.0472%) and Promsvyazbank - Dent (0.05%. All other organizations will have higher rates.

Black Loan Brokers

Today, the activities of such organizations are not regulated, so there are a large number of scammers on the market, cooperation with which can lead to disastrous consequences.

You can identify a "black" loan broker by the following features:

• High commission. Very often scammers demand too high rewards.
• Missing company data. Fraudsters never register companies officially. In addition, they most often do not have a fixed landline telephone, as they do not rent offices.

Paid services. If money is required for a consultation with a specialist, then this is the first sign of fraud. The same applies to the paid preparation of a package of documents for the bank. In verified organizations, all these services are free

Before contacting such an organization, it is worth making inquiries about it andread customer reviews.