It depends on how the contract between the two parties is agreed. If the booking was made at that time and the agency fee included all the expenses, it would be unreasonable. If there is no indication or there is a contract trap, it can't be said to be unreasonable. According to common sense, the agency fee should be paid in one lump sum. In the laws of China, there is no loan fee. In fact, the so-called loan fee of the other party is part of the agency fee. \ It may be levied by stages or repeatedly, which is difficult to define. \ Whatever you do in the future, please sign a written contract, which shall prevail.
How much does the loan agency charge?
The state has no clear law 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". The loan service fee shall not exceed that of 300 yuan.
The intermediary company pays the service fee after helping the loan.
The intermediary company helps with the loan and needs to pay the service fee after the next payment.
1. loan service fee: loan service fee refers to the fee charged when handling loan business, which is generally charged by banks, and the charging standard depends on local conditions. The loan service fee is generally charged by the bank, but it is also charged by a third party that helps the loan business. Loan service fees and charging standards depend on local conditions. You don't have to pay this fee to apply for a provident fund loan, but you only need to pay a guarantee fee (three thousandths of the loan amount, with a minimum of 300) and a house evaluation fee (three thousandths of the evaluation value, with a minimum of 300 and a maximum of 1500).
2. Intermediary fee: Intermediary fee is a kind of fee, which refers to the reasonable fee charged by institutions that provide intermediary services such as buying houses, renting houses and making friends for customers in the process of providing services. Agency fees are generally collected by third parties, which are generally one-off. Pay attention to asking for the invoice. There is no written provision for the collection of housing agency fees.
What does the intermediary's loan service fee mean?
The intermediary's loan service fee is their "running errands".
Generally speaking, when we buy a second-hand house, the real estate agent will charge a loan service fee in addition to the agency fee. This fee is the cost of dealing with banks and evaluation agencies in order to help customers handle housing loans smoothly. After all, there are many procedures for handling housing loans. If the customer handles it himself, it is not only time-consuming and laborious, but also some procedures may not be completed at one time.
Moreover, housing agencies often handle such business, and they will be familiar with various processes inside, which will be much more convenient than customers. Housing agencies provide services, of course, to charge a certain amount of remuneration, that is, loan service fees.
legal ground
Article 963 of the Civil Code of People's Republic of China (PRC) * * * If the broker facilitates the establishment of the contract, the client shall pay the remuneration as agreed. If the remuneration of the broker is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, it shall be reasonably determined according to the services of the broker. Where an intermediary provides media services for concluding a contract, the remuneration of the intermediary shall be borne equally by both parties to the contract. If the intermediary facilitates the establishment of the contract, the expenses of the intermediary activities shall be borne by the intermediary.
Is it reasonable for the intermediary to charge the loan service fee?
According to the relevant laws and regulations of our country, whether the intermediary collects the loan service fee is reasonable or not depends on whether the intermediary provides the loan service. 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.
First, its existence is reasonable according to law.
According to Article 40 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 social intermediary institutions to provide small and medium-sized enterprises with business start-up assistance, enterprise diagnosis, information consultation, market consultation, investment and financing, loan guarantee, property right transaction, technical support, talent introduction, talent training, foreign cooperation, exhibitions and legal consultation.
In other words, as long as the service fee charged by the intermediary does not exceed the standard, the law supports it.
Second, why spend money to find an intermediary?
1. First, financial intermediaries have more product information.
As the saying goes, lending institutions have abundant loan channels and the latest information. Most people don't know which bank's products to apply for, or even which bank has any loan products, so they can only try one by one, which may lead to high interest, insufficient time, low quota and so on.
2. Second, the intermediary has rich network resources in the loan industry.
In the process of handling loans, there are often various problems, such as less running water, broken running water, old legal person, overdue credit information, no commercial housing, no residence certificate and so on. Go to the bank for a loan because of a little problem. What should I do at this time? Will you answer it?
In fact, some small problems can be solved by lending institutions. Intermediaries have been dealing with various banking institutions for a long time, and have accumulated certain network resources. Some intermediaries will guarantee banks. Moreover, in the current increasingly fierce market situation, banks will actively cooperate with loan intermediaries, which can not only reduce the pressure of performance appraisal, but also cooperate with loan intermediaries to obtain accurate customers, because loan intermediaries will apply for loans that meet the bank's standards according to their own professional knowledge, which can save the cost advantage of bank personnel.
3. Third, the intermediary is more professional and efficient.
To apply for a bank loan, you often need to prepare a lot of materials. Banks generally don't tell you in advance, but only remind you of the lack of materials during the audit. Even if rejected, I don't know where I don't meet the requirements of the loan. At this time, looking for a loan intermediary can avoid the embarrassment of materials. 1 1 year service experience, find professionals to help with loans, and prepare the materials needed for each step in advance, which can save more time and cost, even without running by yourself. Just give it to the intermediary to help tell it.
The introduction of the loan service fee charged by the intermediary ends here.