5600 yuan. Seven points is 0.007, 100 yuan is used to earn commission 7 yuan money. Multiplying 800,000 yuan by 0.007 means that the intermediary charged a commission of 5,600 yuan.
How much is the loan agency fee reasonable?
The information or technical service fee of loan intermediary income is actually the intermediary fee, and some of them will be higher, depending on the individual and the urgency. The loan agency fee generally ranges from 3% to 9%.
Generally speaking, when applying for loans from banks and online lending platforms, people rarely encounter loan agency fees and handling fees. If you find an intermediary to help you with the loan, you may have to pay the intermediary fee and handling fee. There is no fixed ratio between loan agency fee and handling fee.
Generally speaking, when applying for loans from banks and online lending platforms, people rarely encounter loan agency fees and handling fees. If you find an intermediary to help you with the loan, you may have to pay the intermediary fee and handling fee.
At present, there is no fixed proportion between loan agency fee and handling fee, which is often calculated according to the borrower's amount, purpose, term and credit. At present, many intermediaries charge a fixed amount of fees in addition to proportional fees.
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 of the Ministry of Construction of the State Planning Commission 1995 on China's real estate intermediary service fees stipulates that the proportion of China's real estate intermediary service fees is 5%, which can be adjusted according to the actual market price.
3. China's "People's Republic of China (PRC) Contract Law" stipulates in Article 23 that an intermediary contract is a contract in which the intermediary 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 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.
What's the score of the bank loan intermediary test?
Bank loan intermediaries generally charge a handling fee of 1%-5%. As long as it is a formal bank loan intermediary, it will be charged after the bank releases the money to you. If there is any objective reason why the money can't be spent, they don't charge any handling fee.
Extended data:
What is a loan intermediary?
Loan intermediary refers to cooperation with banks. The main body of the loan is the bank, and the intermediary helps you find the most suitable product in the fastest time, and collects a certain handling fee from it.
The loan intermediary exists as a turning interface that transforms the unified interface of the bank into a variety of customers. It is more like a microchannel that flows into the borrower's market.
Loan intermediaries mainly provide loan guarantees for small and medium-sized enterprises, including enterprise liquidity loan guarantees and personal business loan guarantees. , and can also provide investment and financing guarantees, performance guarantees, etc. Enterprises need to provide the information required by the guarantee company, and the guarantee company will evaluate its solvency.
Is the agency fee legal?
This is legal. 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 small and medium-sized enterprises with services such as entrepreneurship assistance, enterprise diagnosis, information consultation, market consultation, investment and financing, loan guarantee, property right transaction, technical support, talent introduction, talent training, foreign cooperation, exhibition and legal consultation.
Therefore, as long as the loan intermediary does not engage in illegal loan fraud and the service fee does not exceed the standard, then the law is allowed. Some borrowers consult loan procedures and processes in lending institutions, and customer service personnel require a 4% service fee. In fact, there are credit managers in the bank who specialize in loans, and there are also expenses for facilitating transactions, which are only included in the loan cost.
Second, why do you want to find a loan intermediary?
Formal and reliable loan intermediaries can help borrowers a lot. The biggest advantage lies in strong connections and rich experience. It can help borrowers analyze their own strengths and weaknesses, recommend suitable products, and inform you of the latest information of various lending institutions, such as which bank has recently tightened lending, which loan products have stopped lending, and which loan interest is the lowest.
When we apply for a bank loan, often a little problem may lead to loan failure. A good intermediary can help you avoid these problems as much as possible.
In short, if you find a good loan intermediary, you can save a lot of things and avoid detours, so it is appropriate to pay a certain service fee, but you must remember to find a formal and legal institution, otherwise you will easily fall into the trap of a liar.
How are intermediary loan companies and bank loan business managers generally divided?
Divided by a few thousandths of the loan business. Loan officers do loan business with a commission, which is only a few thousandths. However, we must first complete the credit index given by the bank to the loan officer, and then we can get the commission after completing the index.
Does the commercial loan salesman get a commission?
There is a commission.
The salary of the company's salesmen mainly depends on the commission, which is generally charged at 1.5% to 4% of the loan. How much money you can earn depends on your ability.
The general loan intermediary salesman introduces a successful list, and the commission is 1 to 5%, depending on the amount.
How to calculate the commission of the real estate agent?
Real estate agents are generally divided into basic salary and no basic salary, and low commission and high commission have no basic salary; The commission is calculated according to the agency fee charged. For example, if the company receives 10,000 yuan and the company stipulates a commission of 30%, then 3,000 yuan of this 10,000 yuan is the commission of the sales staff, which can also be said to be the performance.
The commission of each company is different, but those with a basic salary are generally between 20% and 40%, because it is impossible for a company to spend money, energy and time to train a new person.
As for the elderly who have no basic salary, the commission is generally 40%~70%. Employees without basic salary are generally the best in the industry. They don't need a basic salary to support themselves. Their experience and ability are much better than those of newcomers, and they are also very resistant to pressure. In particular, they are a group of people who create wealth for the company, so the commission will be higher, and the higher the performance, the higher the commission.
Matters needing attention in being a real estate agent:
1, pay attention to psychological quality.
Being a real estate agent is often rejected by customers. You should get used to it, be optimistic about customers' rejection, and have the courage to sell to customers again.
In real estate sales, we have to face all kinds of customers every day. Brokers must have strong ability to withstand pressure and psychological quality, so as to better communicate with customers and create higher performance.
2. Pay attention to clear your business scope.
Choose a community, work hard, find out what is available for rent and see what you can see. Imitate the best colleagues or rivals and announce all the houses. This is not only marketing, but also the second digestion of housing.
3. Pay attention to the accumulation of professional knowledge
Have a comprehensive understanding of the company. The process and quality management of real estate sales, the content of after-sales service and the development direction of the company; Master the terminology of real estate industry;
Brokers should know the development direction of local real estate, and at the same time accurately grasp the local real estate trends, the advantages and disadvantages of competitors, and reliable selling points. In addition, we should master the knowledge of real estate marketing, bank mortgage, property management, engineering architectural knowledge, real estate law and so on.
So much for the commission introduction of the loan intermediary.