The service fee for the loan of 59,000 yuan 1 10,000 yuan by a financial company is unreasonable. Regarding the Loan Law, according to the relevant laws and regulations, the Notice of China Banking Regulatory Commission on Regulating the Irregular Operation of Banking Financial Institutions requires that banking financial institutions shall not provide financing opportunities, priorities or other financial services by issuing loans.
Second, regular loan companies generally receive a few points.
The loan company will vary according to the loan amount and the difficulty of funding. Regular loan companies generally charge about 1~3 points. What are the basic information of loan consultation? Usually know the basic information of the lender in advance, including the following points: 1, is it an individual or an enterprise? Because the loan conditions of corporate loans and personal loans are very different, including mortgage loans and credit loans, in order to avoid confusion, people usually ask in advance, but if the lender initially asks about exclusive loan products. For example, provident fund loans are personal loans. Taxes, invoices, etc. All belong to corporate loans. 2. What are the types of loans? The category here refers to the broad categories of loans, such as mortgage loans or credit loans. After the initial consultation, if it is a personal loan, then the institution will generally ask according to the mortgage loan or credit loan. There are two ways to charge the loan intermediary. One is to charge a fixed loan fee according to the different loan products, usually ranging from 1 1,000 yuan to 5,000 yuan. For example, the guarantee fee for car loan is usually around 200 yuan, the vehicle registration fee is around 500 yuan, and the GPS installation fee is 200 yuan. If it is a mortgage loan, the lending institution generally charges about 1 1,000 yuan, and the agency fee of some institutions will be charged at 1, 500 yuan. The other is calculated according to the percentage of the loan amount. Usually a fee of 3%-9% will be charged. (Some lending institutions are also called points; E.g. 3 points). Formal loans and loan intermediaries charge different fees. For personal and property safety, I suggest you go to a regular company for a loan. Need to remind everyone that if you apply for a loan in an intermediary, the intermediary should not force the borrower to accept the service when providing the service, but should clearly inform the charging items, charging subjects, charging contents and charging amount.
3. How many points does the loan company generally charge?
1-8% both. You can ask Jing Daitong.
4.202 1 How much will the bank get if it fails to receive the loan?
202 1 it will be half a year before the bank can settle its accounts at the end of the year. It is too early to say whether the money from the 202 1 loan will be recovered.