The intermediary loan service fee is legal, and the service fee standard should be clearly marked and not exceeded. The so-called housing agency fee is the service fee paid by the housing agency company to the intermediary when conducting real estate transactions. This service fee is paid by the buyer and the seller to the intermediary. Generally speaking, the agency fee is 0% to 2% of the transaction price of 65438+ house. At present, there is no uniform provision for agency service fees, which are generally charged according to industry habits. Then let's take a look at its general charging standard. Real estate brokerage fees are charged at different rates according to different agency projects. The agency fee for house leasing, especially the length of the lease term, is based on the transaction rent from half a month to January, and both parties agree to collect it in one lump sum through negotiation. The agency fee for house sales is charged at 0.5%-2.5% of the total transaction price. For the agency, the charging standard shall be determined through consultation between the entrusting party and the real estate agency, which may be appropriately increased, but the height shall not exceed 3% of the transaction price. Real estate agency fees also include real estate consulting fees. Real estate consultation is divided into oral consultation fee and written inquiry fee. The oral consultation fee shall be determined by both parties through consultation according to the time required for consulting services and the professional and technical level of consultants. The written consultation fee is charged according to the technical difficulty and complexity of the consultation report combined with the target amount. Because intermediary companies have the responsibility to investigate and inform all the real situations before helping customers with loans, such as whether the loan type is mortgage loan or credit loan, whether the interest can be accepted by customers, whether the amount and repayment method meet the requirements of users, etc. There are many banks and financial institutions in the market, but no more than three kinds of personal loan products are sold. If customers come to know it in person, it will not only waste time, but also summarize the advantages of each product in a short time and shop around. There are also some customers who don't know much about loan products and their own conditions and can only make their own requirements. Intermediaries will also match the best solution according to customers' requirements, so as to avoid customers' blind lending and save customers' time, cost and energy. Legal basis: Article 18 of the Measures for the Administration of Real Estate Brokerage implements the system of clearly marked prices for real estate brokerage services. Real estate brokerage institutions shall abide by the price laws, regulations and rules, and indicate the real estate brokerage service items, service contents, charging standards and related real estate prices and information in a prominent position in the business premises. Real estate brokerage agencies shall not charge any unspecified fees; Shall not use false or misleading pricing content and pricing methods for price fraud; If a service can be broken down into multiple items and standards, the price of each item and standard shall be clearly marked, and the price shall not be mixed or bundled.
Second, is it reasonable for the intermediary to charge the loan service fee?
Intermediary fee is a kind of fee, which refers to the fees charged by agencies providing intermediary services to customers in the process of providing services, such as buying a house, renting a house, dating, etc. , collected by a third party, usually an invoice.
Generally speaking, if you just borrow from the bank, there will be no service charge. From a legal point of view, it is legal to charge agency fees for loans, as long as it is legal. According to Article 46 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises, we can know that the state encourages various services such as counseling, intellectual property protection, management consultation, information consultation, credit service, marketing, accounting and taxation, exchange and introduction of property rights, foreign cooperation, exhibition and sales, and legal consultation.
Generally speaking, there is no service charge for bank loans, but the loan company does. In general, there is no service charge. If a service charge is charged, it can be refused. Because it may be suspected or
3. Does the intermediary charge a loan service fee?
Absolutely.
4. Does the loan intermediary charge service fees and management fees?
The loan agent said that it is unreasonable for the bank to charge the post-loan management fee specially. As long as your information is complete and there is no problem with the credit investigation, you should be able to go through the normal approval process. However, if the intermediary can do things well and solve his urgent needs, it is normal to give some benefits. Intermediaries can cooperate with banks in some channels, and it may be faster to handle them. It is also possible, so there is a certain service charge, but if the service charge is too high, it is unreasonable.
First, intermediaries generally do not speed up the approval of banks. We may have been exposed to loans before, let's take the most common one. Generally, it takes about 20 days to apply for a mortgage, and it may take several months. This is because bank loans have to go through many processes, and the examination and approval will be checked at different levels, and the time may be longer. Even if there is an intermediary urging, the approval process will be completed.
Second, the intermediary will not increase the loan amount. Besides, we always want to apply for more loans. Although some intermediaries say that as long as they pay, they can apply as much as they want, especially those who apply for credit cards, this is their rhetoric. The specific amount is different from everyone's actual situation, so don't be fooled by these intermediaries. If the intermediary fee is paid and the final amount is not increased, the intermediary will not refund the money.
Third, it may be more troublesome to handle it yourself. In fact, as long as the information is fully prepared, I can handle it myself. At most, I am not familiar with the process and the prepared materials, which will lead to the problem that I can't run many times. But if there is an intermediary, I can know what information I need and make an appointment in advance, so that the speed of handling loans will be improved a little. So if I want to save trouble, I can pay the agency fee.