Legal analysis: loans are to solve their own economic problems, but some people have encountered the situation that lending institutions require service fees. The service fee is charged with the loan amount. When their loan amount is large, the service fee also needs several thousand yuan. Interest is usually generated by loans, but in practice, some lending institutions charge extra fees under various pretexts to avoid the maximum interest limit. At present, the state is cracking down on illegal lending and illegal debt collection. Extra expenses deducted or collected from various items such as "deposit", "agency fee" and "service fee" have the purpose of illegally occupying other people's property and can be regarded as illegal lending. According to the relevant guidelines of private lending, the interest on the loan principal cannot be withheld. Lenders who collect service fees in the course of business operations may be suspected of daily borrowing, and shall be investigated for criminal responsibility. Therefore, if the lender charges a service fee, there is a certain legal risk.
Legal basis: Article 46 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises, the state encourages all kinds of service institutions to provide small and medium-sized enterprises with services such as entrepreneurship training and counseling, intellectual property protection, management consulting, information consulting, credit services, marketing, project development, investment and financing, accounting and taxation, property rights trading, technical support, talent introduction, foreign cooperation, exhibition and sales, and legal consulting. The agency fee is a legal fee, and the law supports it as long as it does not exceed the standard.