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.
Is it reasonable for real estate agents to charge loan fees?
Whether it is reasonable for Fannie Mae and Freddie Mac to charge loan service fees depends on whether the housing agency provides loan services. If so, it is reasonable to charge a certain service fee. If it does not provide services, it is unreasonable to charge or charge too much.
Article 959 Where the broker completes or partially completes the entrusted affairs, the principal shall pay corresponding remuneration to him. If the trustor fails to pay the remuneration within the time limit, the trustee-trader shall have a lien on the trustor, unless otherwise agreed by the parties.
What should I do if the intermediary fails to fulfill his due obligations in the process of buying a house?
When a real estate brokerage institution signs a house sale or lease brokerage service contract with the client, it shall examine the house entrusted for sale or lease, the house ownership certificate, the client's identity certificate and other related materials, and prepare a housing situation statement.
With the written consent of the client, the corresponding housing information can be released to the outside world. When a real estate brokerage institution signs a house purchase and lease brokerage service contract with the client, it shall examine the client's identity certificate and other relevant information.
According to the above regulations, real estate agencies have verified the accuracy and authenticity of housing information in advance when providing housing information to buyers.
The broker shall truthfully report to the client the matters related to the conclusion of the contract. Where a broker intentionally conceals important facts related to the conclusion of a contract or provides false information, which harms the interests of the client, he shall not demand a reminder and shall be liable for damages.
That is to say, in the process of buying and selling houses, real estate agents, as intermediaries, should carry out intermediary activities according to the true meaning of the clients and fulfill the duty of care and prudence of professional institutions.
If the buyer suffers losses in the transaction due to the failure to fulfill the relevant obligations, the real estate brokerage agency shall bear the corresponding liability for compensation.
If the purchaser entrusts an intermediary agency to purchase a house, it shall be clearly stipulated in the intermediary contract, and the intermediary agency shall ensure that there are no obstacles to the transfer registration of the purchased house. And before signing the purchase contract with the seller, the intermediary agency is required to inquire about the authenticity of the ownership of the house and whether the house can not be bought or sold due to seizure, mortgage and other reasons.
How much is the loan agency fee?
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 is the loan agency fee reasonable?
There is no clear provision for paying agency fees. Generally speaking, the normal agency fee is between 3- 10.
The handling fee of the loan intermediary is determined according to the customer's city and personal qualifications. For example, in first-tier cities, the score is generally above 10, because customers only need to cooperate to provide information, and other things are handled by intermediaries, so the handling fee will be more expensive. Some intermediaries will also reduce the price by a few points to attract customers, so they are basically between 3- 10. Because the interest rate is relatively low, banks generally charge 5-8 points, while small loan companies generally charge 3 points. If your qualifications are poor, you may get more. Most of them are charged according to the quota. Many of them charge less than 200,000 yuan 10, and some charge as high as 20-30 points. 200,000-500,000 yuan, 5- 10; 500,000 to 6,543.8+0,000 generally receives more than 5 points, and 6,543.8+0,000 generally receives about 3 points.
First, the payment method of agency fees
1. Intermediary fees are generally collected by third parties such as intermediary companies. Unless they are not real landlords, they should not be paid to landlords, but attention should also be paid to hacking.
Generally, the agency fee is charged at one time, so be careful to ask for the invoice.
3. There is no written provision for the collection of housing agency fees.
Second, the agency fee charging standard
1. In general, if leasing, both parties have to pay half a month's rent to the third party. If you buy or sell, you will generally charge 2% of the total house price, and both parties will pay 1%. In the actual transaction, both parties can negotiate the proportion of their respective payments.
2. Housing agency fee charging standard
Real estate intermediary service fees shall be collected by real estate intermediary service institutions according to the charging standards, and invoices shall be issued to pay taxes according to law. Real estate intermediary service charges shall be clearly marked, and intermediary service institutions shall announce their charging items, service contents, charging methods, charging standards and other matters in a prominent position in their business premises or payment places.
3. Real estate consulting
It is divided into oral consultation fee and written consultation 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. General consultation report, each charge is 300- 1000 yuan; For consulting reports that are technically difficult, complicated in content and consume a lot of manpower and time, the charging standard may be appropriately increased, but it shall not exceed 0.5% of the amount of the consulting target.
4. House price evaluation
, with the qualification of real estate appraisal and confirmed by the real estate administrative department, the price department charges according to the prescribed standards. Real estate price evaluation and general parcel evaluation mainly based on real estate adopt different fixed rates and progressive charges, that is, the rates and grades are divided according to the total real estate price, and the expenses of each file are calculated according to the file, and the cumulative sum of the expenses of each file is the total cost.