The loan company will vary according to the loan amount and the difficulty of funding. Regular loan companies generally charge about 1~3 points.
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.
Formal loan companies can be roughly divided into two categories. One kind needs guarantee or collateral, generally houses, cars, machinery and equipment, and some choose units or individuals for joint guarantee.
The other is unsecured and unsecured, that is, credit loans, which are mainly aimed at the credit records of individuals and enterprises. Because this kind of loan is risky, the interest is generally higher than that of banks.
What do you mean by a few points of loan?
What do you mean by a few points of loan?
The question is too rough.
Generally speaking, "several points" in this sentence refers to the loan interest rate, usually a percentage. Five points is 5%, and so on.
What does 65438+100000 loan mean by 6 points?
One, six points, that is, the annual interest rate of the loan is 6%, divided by 12 months, and the monthly interest rate is 0.5%, commonly known as 5%.
2. The monthly payment is 8606.64 yuan, and the total principal for one year is 103279.72 yuan.
Three. The calculation formula of equal monthly principal and interest: [loan principal × monthly interest rate ×( 1 interest rate )× repayment months ]⊙[( 1 interest rate )× repayment months]
What does it mean to charge 30 cents for a loan of 20 thousand?
Collecting 30 points is 30% of the loan amount, and the calculation method is as follows:
Percentage of loan amount charged = fee.
2000030%=6000 yuan; A loan of 20,000 yuan will cost 6,000 yuan if you receive 30 points.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.
20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank issued a document, including relaxing the conditions of provident fund loans, promoting loans from different places, reducing intermediate fees, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).
August 3 1, 2065438 The Ministry of Housing and Urban-Rural Development jointly issued a notice saying that since September 1, 2065438, the down payment for purchasing a second home with provident fund loans has been reduced to 20%.
Provident fund withdrawal means that the depositor goes to the provident fund withdrawal department to go through the procedures of provident fund withdrawal according to the requirements of provident fund withdrawal and transfers the amount in the provident fund account to the personal account. Provident fund extraction, provident fund extraction is divided into three types: agreed extraction, partial extraction and cancellation extraction.
What does it mean to charge 25 points for a loan?
25 points is 25%, that is, you borrow 100 yuan, and you have to give it to 25 yuan. Now the loan is not so expensive, is it?
Buying a house loan is nine points cheaper. What do you mean?
9%。
Process of handling mortgage to buy a house loan:
1, select real estate;
2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;
3. Apply for mortgage loan;
4. Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;
5. Property buyers can sign pre-sale and sales contracts with developers or their agents;
6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;
7. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;
8. Open a special repayment account;
9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;
10. The borrower repays the loan regularly according to the contract.
18 What does credit card loan mean?
18 credit card loan is to help apply for a credit card. After the credit card application is successful, 18% of the card amount will be charged. The cost of 18% is higher. Individuals do not need to pay any fees when they go to the bank to apply for a credit card. Please refer to the following process.
Applicants prepare ID cards, work certificates, income certificates and other materials to apply for credit cards at bank outlets on working days;
The bank counter staff confirms the applicant's information and conducts a preliminary examination;
The counter staff will submit the application and materials to the audit department;
The audit department shall audit the authenticity of the applicant's information and situation, and whether it meets the application conditions;
After the applicant is approved, the business card printing department makes the business card, and the applicant waits to mail the business card;
After receiving the card, the applicant can choose to activate it through SMS, telephone, bank counter or internet.
Pay attention to the repayment date and billing statement when using the card.
Credit card processing program:
Applicants can choose to apply online, contact a credit card salesman to apply at home, or apply directly at the counter to apply for a credit card from a credit card bank.
The staff of the credit card bank will pay a return visit to the telephone number in the application materials to verify whether the application materials are true, and misunderstanding of the information will directly lead to the failure of the application;
After the applicant passes the credit card review, he will receive a short message from the bank where the account is opened, waiting for the card to be mailed;
After receiving the card, you can apply for activation according to the activation method in the envelope. Generally, there are manual phone activation, SMS activation and counter activation. , you can decide according to your own convenience;
The credit card can be used normally after it is activated. Pay attention to the monthly repayment date and amount of credit card.
What do you mean by a loan of five points?
I know what 5 points means, that is, the loan amount is 0.05, but I don't know when it will be paid.
What do you mean by loan 10000 yuan and 20 cents? The interest is 0. 1 in ten thousandths.
20 points is 20%, 1000 is 2000. Please accept the answer if you are satisfied!
How many points do you charge for a loan of about 500 thousand?
Lenders generally need to meet the following conditions:
1. China citizens with permanent residence in China and permanent residence in local towns and 18-65 years old;
2. Abide by laws and regulations, and have no illegal acts and bad credit records;
3. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;
4. Other conditions stipulated by the bank.
What do you mean by two points less for housing provident fund loans?
Is it the loan interest rate? Compared with commercial loans, the benchmark interest rate for commercial loans is 6.55%, and the provident fund is 4. XX% ~ ~
How many points do loan companies usually charge?
Regular loan companies generally charge 1 to 3 points.
(1) interest rate
The proportion of interest in the total loan funds within a certain period is the manifestation of the loan price. Namely: interest rate = interest amount/loan principal.
Interest rates are divided into daily interest rates, monthly interest rates and annual interest rates.
The lender determines the loan interest rate with the lending bank according to the benchmark interest rate and interest rate floating space announced by relevant laws and regulations of various countries.
(2) benchmark interest rate
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.
How to get the lowest bank loan interest rate
First, choose the bank with the lowest interest rate to apply for a loan.
Although the central bank has introduced the benchmark interest rate, the interest rates of all banks will rise above the benchmark interest rate, and the specific floating situation is different from bank to bank. Therefore, in order to get the lowest bank loan interest rate, we must "shop around" and then choose the bank with the lowest interest rate.
Second, pay attention to personal credit reporting and maintain good credit reporting.
Bank loan interest rates are all calculated by computers based on personal credit information, income, work and other information. In other cases, you can only keep your credit information and try to repay your credit card on time to avoid overdue.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.
What do you mean by borrowing 4 cents?
1, the loan is charged at four points, and the four points are 4%. For example, if you borrow 65438+ ten thousand yuan, then the four points are 1000004%=4000 yuan.
2. The interest rate in China is managed by the People's Bank of China. The bank loan interest rate refers to the benchmark interest rate set by the People's Bank of China, and the actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate. The loan interest rate refers to the ratio of interest amount to principal amount during the loan period. Loan interest rate is the name of loan interest percentage, which is called point for short. How many points reflect how high the bank interest rate is. This interest rate of 4 points is actually an interest agreement negotiated by the bank when you apply for a loan. The larger the amount of application, the more interest you will get.
Data expansion:
Matters needing attention in loan:
(1) When applying for a loan, the borrower makes a correct judgment on his repayment ability. Design a repayment plan according to your income level, leaving room appropriately, without affecting your normal life.
(2) Choose an appropriate repayment method. There are two repayment methods: equal repayment method and equal principal repayment method. Once the repayment method is agreed in the contract, it shall not be changed during the whole loan period.
(3) Repay on time every month to avoid penalty interest. From the month after the loan is initiated, it is generally the repayment date of the next month. Don't cause liquidated damages because of your negligence, so that banks can't apply for loans again.
(4) Take care of your own contracts and IOUs, read the terms of the contracts carefully, and understand your rights and obligations.
(Source: Baidu Encyclopedia: Loan Interest Rate)
The loan fee is generally 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.
1. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Second, the risk review of microfinance
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.
(1) The loan examiner of the bank was omitted from the review content, 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.
(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.
(3) 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.
Third, the legal content of the pre-loan investigation
(1) 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.
(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.
Is it legal to charge 15 service fee for loans?
The loan charging 15 service fee is legal, provided that it is established voluntarily. According to the regulations, the loan platform can charge service fees, and the rate of service fees should be informed to users in advance. If you agree to pay the fee, let him handle the loan. If you don't agree, refuse to pay the fee and don't lend it.
The expenses that the Lender shall bear when handling the loan are as follows:
1. Handling fee
At present, some banks attract customers' attention through interest-free loans, and actually charge interest through handling fees;
2. Interest expense
The amount of interest expense depends on the bank selected by the lender or the personal loan conditions of the lender. Different banks charge different loan fees, and lenders with better conditions charge lower loan interest.
3. liquidated damages
If an individual fails to repay the loan on time when signing a loan contract with a bank, the bank has the right to collect liquidated damages according to the amount agreed in the signing of the contract.
Materials to be prepared for handling bank loans: ① valid identity documents; ② Permanent residence permit or valid residence permit and fixed residence permit; 3 proof of marital status; ④ Shore current; (5) proof of income or personal assets; 6. Credit investigation report; (7) Use plan or loan use statement; ⑧ Other information required by the bank.
Legal basis: Measures for the Administration of Commercial Housing Sales Article 25 If a real estate development enterprise entrusts an intermediary service agency to sell commercial housing, the entrusted agency shall be a real estate intermediary service agency established according to law and obtained an industrial and commercial business license. A real estate development enterprise shall conclude a written entrustment contract with the entrusted real estate intermediary service institution, and the entrustment contract shall specify the entrustment period, entrustment authority and the rights and obligations of the client and the client.