At present, there is no fixed charge ratio for bill items and handling fees of loan intermediaries. The charging rules of each intermediary are different. The handling fee of credit intermediary is generally calculated according to the loan amount, the difficulty of loan operation, personal credit record and the cooperation of the borrower. There are two charging methods for loan intermediaries:
1. Fixed loan fees are charged according to different loan products, generally between 1000-5000; For example, for car loans, the general vehicle registration fee is about 500, the guarantee fee is about 200, the vehicle evaluation fee is 300, and the GPS installation/disassembly fee is 200. Some mortgage institutions are also set at around 1000. Some loan intermediaries charge 1500 yuan. Fees or service charges are usually based on assessment fees.
2. According to the percentage of the loan amount, a fee of 3% to 9% is usually charged.
1) Intermediary fee refers to the reasonable fee charged by an intermediary agency with intermediary service qualification in the process of providing services and in the process of purchasing and leasing according to the transaction time node. In housing transactions, intermediary costs are generally borne by buyers and sellers. Of course, they are also entirely borne by the seller. As long as the parties reach an agreement, there is no strict restriction on who will bear the expenses of the middleman.
2) It is recommended to apply for loans through formal channels, such as Agricultural Bank of China. Agile online loan is defined as a small consumer loan issued by Agricultural Bank of China in cash to individual customers of Agricultural Bank of China who meet the following application conditions: basic conditions: 18 years old, under 60 years old. Have People's Republic of China (PRC) nationality and full capacity for civil conduct. Hold legal and valid identity documents. Our bank is a customer of e-banking and has the security authentication tools issued by our bank. (Currently, only second-generation customers of KBao are supported) The credit status is good, and there is no outstanding balance of "Wang Jie Loan" and "Wang Jie Loan". Stable income and the ability to repay loans on time. The purpose of the loan is reasonable.
3) Loan type: personal credit loan. Personal credit is a fashionable loan method, so what conditions do you need to apply for this kind of loan? Generally speaking, banks require borrowers to have second-generation ID cards, stable work permits, income certificates and loan termination certificates; Personal credit status is good; There are certain restrictions on the income of borrowers. The average monthly income of borrowers is generally not less than 4000 yuan.
How much does the mortgage agent charge?
Buying and selling a house is a troublesome process. Most buyers and sellers can't complete this procedure, so they can only hand it over to the housing agency. The following small series will introduce you to how the mortgage intermediary charges.
How much does the mortgage agent charge?
Under normal circumstances, the agency fee is 65438+ 0 ~ 3% of the transaction price; 50% for both buyers and sellers; However, this is sometimes done unilaterally and can be negotiated by both parties. Generally speaking, it is enough to charge an intermediary fee of almost several thousand yuan for running errands. If the intermediary company is larger, the fee will be higher. If the materials are complete, you can go to the bank yourself, which can save a lot of money. If the materials are not so complete, there may be some incurable diseases. In this case, the fees will be high. Generally speaking, it is possible to charge 1 to 20,000. Generally speaking, the loan fee intermediary company will not charge you directly, but through the so-called guarantee company. If it is a big company, there is a department that specializes in helping customers with loans. If it's a small company, cooperate with the guarantee company and divide the accounts. Generally speaking, it is 3:7, guarantee company 3 and intermediary 7.
First, we must first find out whether the intermediary company requires buyers and sellers to sign sales contracts. If not, the intermediary company has no right to charge fees, but the intermediary company can charge a certain service fee.
Second, if the buyer and the seller sign a contract through an intermediary company, but in the end the two parties fail to complete the transaction smoothly, then the intermediary company can also charge an intermediary fee at this time.
Thirdly, the intermediary company facilitated the signing of the sales contract (agreement) between the buyer and the seller, but it was precisely because of the intermediary company that the buyer and the seller failed to fulfill the contract and complete the transaction, so in this case, the intermediary company could not charge the intermediary fee.
Summary: There are so many mortgage agencies on how to charge. This charging standard is also determined according to the actual situation in China. If it is more difficult to handle the charges, the charges will be higher.
How do real estate agents charge for helping customers with bank loans?
The fees charged by different institutions are different and can be negotiated.
General loan fees are not charged directly by intermediary companies with customers, but through so-called guarantee companies. Actually, it's the same. Larger intermediary companies have departments dedicated to helping customers with loans, and small companies cooperate with guarantee companies to establish separate accounts. Usually the guarantee is 3:7, and the intermediary is 7! Some even charge more. This is the price you pay for bargaining on the agency fee!
Extended data:
The fee of the loan intermediary is charged to the customer. At present, the whole loan intermediary industry is not standardized. Loan intermediary companies need to survive, and bosses and employees need to make money. They have a natural motivation to make excuses and charge fees through various new terms. At this time, there will naturally be some problems:
1, one is to charge according to the loan amount.
For example, he will tell customers that 65438+ 10,000 yuan will receive 3%,10-300,000 yuan will receive 2%, and more than 300,000 yuan will receive 1%.
2. Tell customers that if they have good credit, they will charge less, and if they have bad credit, they will charge more.
Why?
Because the credit information is good, the intermediary will give less information to the customer, so its own cost will be low.
If the credit information is not good, the intermediary will give more information to the customer and its own cost will be high.
Charge standard of intermediary loan
Intermediary loan service fee, to put it bluntly, is the loan service fee. Different loan service fees have different intermediary service fees, some of which are charged according to the loan amount, such as a loan of 300,000 yuan. There is a handling fee of 3000 yuan, and there is a one-time charge, which means that no matter how much the loan is, there is a one-time charge. Of course, this fee depends on the communication between the intermediary and the customer, and can also be reduced appropriately. Now the intermediary loan service fees are set by the intermediary itself, and there is no standard in the country.
Housing agencies can charge a certain loan service fee, which is regulated by the market and set by each agency. On this basis, property buyers can shop around and choose by themselves. However, the contract must be signed on the premise of mutual consent. When providing this service, the operator shall not force consumers to accept the service, but shall fulfill the obligation of informing in advance and make clear the subject, content and amount of charges.
It should be noted here that when an intermediary company collects an intermediary fee, if it has promised you that the fee includes transaction, registration and mortgage services, it should not charge a loan service fee.
Charge standard of second-hand housing agency loan
Agency fee standard 1. Agency fee: general cash 1%, loan 2%; 2. Loan service fee: 1% of the turnover. Three. Guarantee fee: Individual intermediary companies charge an additional 0.5% transaction guarantee service fee, commonly known as "guarantee fee". Four, the agency real estate registration service charges, the maximum is not more than 500 yuan/case, the agency loan service charges, the maximum is not more than 300 yuan/case.
Charge standard of loan intermediary service fee
There is no clear legal provision on agency fees, but Shanghai Administration for Industry and Commerce, Price Bureau and Real Estate Bureau have corresponding documents. Agency fee: general cash 1%, loan 2%. Loan service fee: 65438+ 0% of the turnover. Guarantee fee: Individual intermediary companies charge an additional 0.5% transaction guarantee service fee, commonly known as "guarantee fee". Charge for agency loan service, with the maximum not exceeding 300 yuan.
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.
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. The content of the review omits the loan examiners of the bank, 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. In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk. 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. 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 legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.