What fees should be charged for small and micro enterprise loans?

1, loan interest: including basic interest and floating part, and the floating range is generally above 20%.

2. Mortgage registration assessment fee: generally accounting for 20% of financing cost.

3. Guarantee fee: the general annual interest rate is 3%.

4. Risk margin interest: Most financial institutions deduct part of the loan principal in the name of reserved interest when lending, and the loans actually obtained by small and micro enterprises are only 80% of the principal. Taking 1 year loan as an example, the actual interest paid by small and micro enterprises is about 9%, which is about 40% higher than the bank loan benchmark.