04/02/2019

澳洲南澳大学论文代写:贷款经纪人的主要职责

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澳洲南澳大学论文代写:贷款经纪人的主要职责

Roos、Gustafsson和Edvardsson(2006)认为,抵押贷款经纪人在证明借款人的贷款申请符合贷款人和抵押贷款保险公司的要求方面发挥着关键作用,从风险管理实践来看是有效的。这是因为它们可以通过复杂的抵押贷款流程来降低贷款还款违约的可能性。在这种担忧,费雪(2010)指出,抵押贷款经纪人是有用的对于那些想要贷款购买新房子或其他财产,因为他们提供各种服务,如建议的选择最好的贷款产品,帮助贷款文档流程和保险的抵押贷款。由此研究还确定,抵押贷款经纪人通常作为借款人的代理人,与贷款人进行沟通,根据财务目标和情况为客户提供合适的抵押贷款。

澳洲南澳大学论文代写:贷款经纪人的主要职责
此外,Bachelor(2014)描述了向借款人披露贷款信息以及诚信行为和公平交易是抵押贷款经纪人的主要职责,他们为客户提供服务。根据他们的研究,抵押贷款经纪人在选择利率最低的最佳贷款产品和减少未来不付款的机会方面对潜在的借款人和贷款人都是有利的。但在这方面,Green和Wachter(2005)认为,抵押贷款经纪人有时会做出虚假的承诺、未披露的秘密费用和贷款产品的条件,并向客户收取更高的费用。这些都有可能影响抵押贷款经纪人提供的客户服务的质量,这有时会因为客户的负面形象而对抵押贷款公司的业务造成不利影响。

澳洲南澳大学论文代写:贷款经纪人的主要职责

As per the views of Roos, Gustafsson, and Edvardsson (2006), mortgage brokers play a key role in proving that loan application of a borrower meets the requirements of lenders and mortgage insurer, which is effective from risk management practices. It is because they are useful to reduce the chance of default in loan repayment through complex mortgage lending process. In this concern, Fisher (2010) states that mortgage brokers are useful for those who want to take a loan for the purchase of a new home or other property because they offer a variety of services like advice on the selection of best loan product, help in loan documentation process and insurance of mortgage. From there research, it is also determined that mortgage brokers usually act as an agent of a borrower who communicates with lenders in order to provide a suitable mortgage loan to customers as per the financial goals and circumstances.

澳洲南澳大学论文代写:贷款经纪人的主要职责
Furthermore, Bachelor (2014) describes that the disclosure of loan information to the borrower as well as action in good faith and doing a fair deal are the key duties of mortgage brokers, which they provide to serve customers. As per their study, mortgage brokers are beneficial for both potential borrowers and lenders in terms of selecting best loan product with lowest interest rate and minimizing the chances of no payment in future. But in this regard, Green and Wachter (2005) argue that sometimes mortgage brokers make false promises, undisclosed secret fees and conditions of loan products, and charge higher to customers. These have the potential to affect the quality of customer service provided by mortgage brokers, which sometimes caused an adverse impact on the business of mortgage firms due to the creation of negative image among the customers.

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