How much agency fee do loan intermediaries usually charge?

There is no fixed proportion of agency fees charged by loan intermediaries. Under normal circumstances, the agency fees charged by loan intermediaries are calculated according to factors such as loan amount, loan operation difficulty, personal credit record, loan purpose, borrower's cooperation degree, etc.

1. There are two specific charging methods for loan intermediaries:

① Fixed loan fees are charged according to different loan products, generally ranging from 1000 to 5000; For example, the agency fee for car loan is about 500 for car registration, 200 for guarantee, 300 for car evaluation, 47 for GPS installation and 200 for disassembly. The agency fee of the loan intermediary in the mortgage part is fixed at around 1 000, and some charge 1, 500 yuan. The general handling fee or service fee is mainly the evaluation fee.

(2) According to the percentage of the loan amount, the general agency fee ranges from 3% to 9% (the agency fee of some lending institutions is also called the point; E.g., 3 points)

2.① Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises stipulates that the state encourages all kinds of social intermediary agencies to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises. But this must find a legal loan intermediary before it can be implemented according to law.

(2) The Notice on the Charge of Real Estate Intermediary Services issued by the Ministry of Construction of the State Planning Commission 1995 stipulates that the charge ratio of real estate intermediary services in China is 5%, which can be adjusted according to the actual market price.

(3) Article 23 of the Contract Law of People's Republic of China (PRC) stipulates that an intermediary contract is a contract in which the broker reports the opportunity to conclude a contract to the client or provides intermediary services for the client to conclude a contract, and the client pays the remuneration. If the broker facilitates the establishment of the contract, the principal shall pay the remuneration as agreed. Accommodation fee (also called "commission") refers to the remuneration collected by brokers for completing the loan application contract signed by customers and lending institutions. When the contract is established, the client shall also pay the corresponding remuneration in the contract.