Obtain offers through intermediaries and then go directly to the banks?

2017-12-21 07:02:38

Hello, as a rule, the intermediaries' conditions are better. The banks partially outsource activities to the intermediary (consulting, scoring, application documents) and offer you special conditions to position you better in the market. Most of the time, you only have bargaining power with your main bank… whereas they have difficulty with conditions from large banks.

2017-12-21 07:25:10

Although I have been a customer there for a long time and the whole family certainly uses a considerable number of financial products, the house bank could not even remotely match the conditions that they themselves – but only through intermediaries – offer. Apparently, the business unit "End customer branch" simply gets fewer financing deals together than the business unit "intermediary" and therefore (although internally within the group) worse conditions than the external intermediary (who in turn is a subsidiary of a completely different bank, but that's just a side note :-D )

Regards,
der Steph

What is this actually for??

Because answers (assumptions) from people who have no real experience do not help me :D I wanted to keep my back free for answers like "The intermediary does the work and now you go to the house bank...." ;)

2017-12-21 07:39:25

Because answers (assumptions) from people who have no real experience don’t help me :D I wanted to keep my back covered for answers like "The broker does the work and now you go to the house bank...." ;)

See my answer and give up on your intention. The bank is not happy about a €200,000 loan from Müller Lieblichen but prefers steady business through Protz AG brokers.

2017-12-21 08:43:43

The best offer was made to us by the intermediary. In addition, he helped us a lot afterward by taking care of some things. We did not have to pay him. He receives a commission from the selected bank.

2017-12-21 10:47:19

Because answers (assumptions) from people who have no real experience don't help me :D I wanted to keep my back free for answers like "The broker does the work and now you go to the house bank...." ;)

Caution.

One of the basic rules in discussion forums (and of decency) tells us that we should expect answers to questions. Who responds, when and why, is up to the helper. The person seeking help can of course always set their own rules (if they want to). Whether this leads to a qualitative improvement for them, I leave open.

Sense of entitlement and such....

Regards,
Steph

2017-12-21 11:46:45

Which I can understand. Here it is quite "normal" that concrete requests lead to endless off-topic discussions in a very short time, which do not help the OP at all.

Whether his wish is considered is another matter :)

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Obtain offers through intermediaries and then go directly to the banks?

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derSteph

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