At present, there is no fixed charge ratio for bill items and handling fees of loan intermediaries. The charging rules of each intermediary are different. The handling fee of credit intermediary is generally calculated according to the loan amount, the difficulty of loan operation, personal credit record and the cooperation of the borrower. There are two charging methods for loan intermediaries:
1. Fixed loan fees are charged according to different loan products, generally between 1000-5000; For example, for car loans, the general vehicle registration fee is about 500, the guarantee fee is about 200, the vehicle evaluation fee is 300, and the GPS installation/disassembly fee is 200. Some mortgage institutions are also set at around 1000. Some loan intermediaries charge 1500 yuan. Fees or service charges are usually based on assessment fees.
2. According to the percentage of the loan amount, a fee of 3% to 9% is usually charged.
1) Intermediary fee refers to the reasonable fee charged by an intermediary agency with intermediary service qualification in the process of providing services and in the process of purchasing and leasing according to the transaction time node. In housing transactions, intermediary costs are generally borne by buyers and sellers. Of course, they are also entirely borne by the seller. As long as the parties reach an agreement, there is no strict restriction on who will bear the expenses of the middleman.
2) It is recommended to apply for loans through formal channels, such as Agricultural Bank of China. Agile online loan is defined as a small consumer loan issued by Agricultural Bank of China in cash to individual customers of Agricultural Bank of China who meet the following application conditions: basic conditions: 18 years old, under 60 years old. Have People's Republic of China (PRC) nationality and full capacity for civil conduct. Hold legal and valid identity documents. Our bank is a customer of e-banking and has the security authentication tools issued by our bank. (Currently, only second-generation customers of KBao are supported) The credit status is good, and there is no outstanding balance of "Wang Jie Loan" and "Wang Jie Loan". Stable income and the ability to repay loans on time. The purpose of the loan is reasonable.
3) Loan type: personal credit loan. Personal credit is a fashionable loan method, so what conditions do you need to apply for this kind of loan? Generally speaking, banks require borrowers to have second-generation ID cards, stable work permits, income certificates and loan termination certificates; Personal credit status is good; There are certain restrictions on the income of borrowers. The average monthly income of borrowers is generally not less than 4000 yuan.
I got an intermediary loan of 0.2 million/200 thousand for renovation, and they received more than 50 thousand from the intermediary. Is it legal?
Hello, it is also legal and reasonable to charge agency fees for handling loans.
According to Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises:
The state encourages all kinds of social service institutions and platforms to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises.
charging standards
The charging standard of each loan intermediary agency is still different, and there is no clear law on the scope of intermediary fees. But in real life, the service fees charged by most intermediaries are about 3%-9% of Keane's loan. If it exceeds this range, it is a high service fee, and it is not recommended for borrowers to apply.
Generally speaking, loan intermediaries help borrowers to apply for loans, including all operating costs of financing institutions, channel maintenance costs of intermediaries, time costs for intermediaries to exchange customers and other expenses.
The loan object, loan application type, loan application amount, loan application period and other factors will have a certain impact on the agency fee. There is also a charging method for loan intermediaries, which charges a fixed loan fee according to different loan products, generally ranging from 1000 to 5000.
There are also some intermediaries whose fees will exceed 10% of the loan amount, which generally belongs to "all-inclusive service". The borrower only needs to provide the loan application materials, and the formalities, processes and other matters are arranged by the intermediary, and even the intermediary can be entrusted for face-to-face signing.
Why does the loan intermediary have a higher success rate in applying for loans?
Most loan intermediaries actually have long-term cooperation with banks and private financial institutions. These intermediaries have a clear understanding of the loan interest rate, the threshold for applying for loans, the amount of loans available, and what the loan information needs.
The intermediary will match the most suitable loan scheme for the borrower according to the information provided by the borrower. On the one hand, it can avoid the borrower's meaningless loan application, on the other hand, it can greatly improve the success rate of the borrower's loan application.
In addition, the borrower entrusts an intermediary to handle the loan, which can also save him a lot of time. Applying for a large loan is very complicated and requires a lot of information. With the help of intermediaries, borrowers can really save a lot of effort.
Charge standard of loan intermediary service fee
There is no clear legal provision on agency fees, but Shanghai Administration for Industry and Commerce, Price Bureau and Real Estate Bureau have corresponding documents. Agency fee: general cash 1%, loan 2%. Loan service fee: 65438+ 0% of the turnover. Guarantee fee: Individual intermediary companies charge an additional 0.5% transaction guarantee service fee, commonly known as "guarantee fee". Charge for agency loan service, with the maximum not exceeding 300 yuan.
The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates macroeconomics. Objectively, a universally recognized benchmark interest rate level is needed as a reference. Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism. Simply put, you usually deposit money in the bank and he gives you interest. The greater the benchmark interest rate, the more interest; The smaller the benchmark interest rate, the smaller the interest.
The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links. The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk. Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place. Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is established according to law, whether it has the qualification and qualification to engage in relevant business, and check the business license and qualification certificate, and pay attention to whether the relevant certificate has passed the annual inspection or relevant verification.
How much is the loan agency fee reasonable?
There is no clear provision for paying agency fees. Generally speaking, the normal agency fee is between 3- 10.
The handling fee of the loan intermediary is determined according to the customer's city and personal qualifications. For example, in first-tier cities, the score is generally above 10, because customers only need to cooperate to provide information, and other things are handled by intermediaries, so the handling fee will be more expensive. Some intermediaries will also reduce the price by a few points to attract customers, so they are basically between 3- 10. Because the interest rate is relatively low, banks generally charge 5-8 points, while small loan companies generally charge 3 points. If your qualifications are poor, you may get more. Most of them are charged according to the quota. Many of them charge less than 200,000 yuan 10, and some charge as high as 20-30 points. 200,000-500,000 yuan, 5- 10; 500,000 to 6,543.8+0,000 generally receives more than 5 points, and 6,543.8+0,000 generally receives about 3 points.
First, the payment method of agency fees
1. Intermediary fees are generally collected by third parties such as intermediary companies. Unless they are not real landlords, they should not be paid to landlords, but attention should also be paid to hacking.
Generally, the agency fee is charged at one time, so be careful to ask for the invoice.
3. There is no written provision for the collection of housing agency fees.
Second, the agency fee charging standard
1. In general, if leasing, both parties have to pay half a month's rent to the third party. If you buy or sell, you will generally charge 2% of the total house price, and both parties will pay 1%. In the actual transaction, both parties can negotiate the proportion of their respective payments.
2. Housing agency fee charging standard
Real estate intermediary service fees shall be collected by real estate intermediary service institutions according to the charging standards, and invoices shall be issued to pay taxes according to law. Real estate intermediary service charges shall be clearly marked, and intermediary service institutions shall announce their charging items, service contents, charging methods, charging standards and other matters in a prominent position in their business premises or payment places.
3. Real estate consulting
It is divided into oral consultation fee and written consultation fee. The oral consultation fee shall be determined by both parties through consultation according to the time required for consulting services and the professional and technical level of consultants. The written consultation fee is charged according to the technical difficulty and complexity of the consultation report combined with the target amount. General consultation report, each charge is 300- 1000 yuan; For consulting reports that are technically difficult, complicated in content and consume a lot of manpower and time, the charging standard may be appropriately increased, but it shall not exceed 0.5% of the amount of the consulting target.
4. House price evaluation
, with the qualification of real estate appraisal and confirmed by the real estate administrative department, the price department charges according to the prescribed standards. Real estate price evaluation and general parcel evaluation mainly based on real estate adopt different fixed rates and progressive charges, that is, the rates and grades are divided according to the total real estate price, and the expenses of each file are calculated according to the file, and the cumulative sum of the expenses of each file is the total cost.
Is it reasonable for the loan agent to charge a 6% handling fee?
Is it reasonable for loan intermediaries to charge 6% commission? The answer is: it is reasonable for loan intermediaries to charge 6% commission.
How do real estate agents charge for helping customers with bank loans?
The fees charged by different institutions are different and can be negotiated.
General loan fees are not charged directly by intermediary companies with customers, but through so-called guarantee companies. Actually, it's the same. Larger intermediary companies have departments dedicated to helping customers with loans, and small companies cooperate with guarantee companies to establish separate accounts. Usually the guarantee is 3:7, and the intermediary is 7! Some even charge more. This is the price you pay for bargaining on the agency fee!
Extended data:
The fee of the loan intermediary is charged to the customer. At present, the whole loan intermediary industry is not standardized. Loan intermediary companies need to survive, and bosses and employees need to make money. They have a natural motivation to make excuses and charge fees through various new terms. At this time, there will naturally be some problems:
1, one is to charge according to the loan amount.
For example, he will tell customers that 65438+ 10,000 yuan will receive 3%,10-300,000 yuan will receive 2%, and more than 300,000 yuan will receive 1%.
2. Tell customers that if they have good credit, they will charge less, and if they have bad credit, they will charge more.
Why?
Because the credit information is good, the intermediary will give less information to the customer, so its own cost will be low.
If the credit information is not good, the intermediary will give more information to the customer and its own cost will be high.
Charge standard of intermediary loan
Intermediary loan service fee, to put it bluntly, is the loan service fee. Different loan service fees have different intermediary service fees, some of which are charged according to the loan amount, such as a loan of 300,000 yuan. There is a handling fee of 3000 yuan, and there is a one-time charge, which means that no matter how much the loan is, there is a one-time charge. Of course, this fee depends on the communication between the intermediary and the customer, and can also be reduced appropriately. Now the intermediary loan service fees are set by the intermediary itself, and there is no standard in the country.
Housing agencies can charge a certain loan service fee, which is regulated by the market and set by each agency. On this basis, property buyers can shop around and choose by themselves. However, the contract must be signed on the premise of mutual consent. When providing this service, the operator shall not force consumers to accept the service, but shall fulfill the obligation of informing in advance and make clear the subject, content and amount of charges.
It should be noted here that when an intermediary company collects an intermediary fee, if it has promised you that the fee includes transaction, registration and mortgage services, it should not charge a loan service fee.
The introduction of intermediary loan fees and how to collect intermediary loan fees are over. I wonder if you have found the information you need?