It is generally legal to be a loan intermediary. However, the intermediary institution should be a financial information intermediary company established in accordance with the law and specialized in lending information intermediary business activities. Lending information intermediaries shall follow the principles of legality, honesty, voluntariness and fairness, provide information services for both borrowers and lenders, safeguard the legitimate rights and interests of both borrowers and lenders, and shall not provide credit enhancement services, directly or indirectly raise funds or illegally raise funds, and shall not harm the national and social public interests. People's Republic of China (PRC) Company Law Article 5 A company engaged in business activities must abide by laws and administrative regulations, social morality and business ethics, be honest and trustworthy, accept the supervision of the government and the public, and assume social responsibilities. The legitimate rights and interests of the company are protected by law and shall not be infringed.
Is the loan intermediary charge legal?
First of all, from a legal point of view, the loan agency fee is legal.
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 agencies to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises. Intermediary fees are legal fees, as long as they do not exceed the standard, there is legal support.
Because there are some expenses in the loan process, such as insurance premium, agency fee, license fee, entertainment fee, etc. It is legal for a loan intermediary company to charge agency fees.
A professional loan intermediary knows very well what information institutions need to prepare and what conditions they need to meet. When he communicates with you, he will ask you to prepare any information according to your situation, and even give you appropriate packaging.
Remember, the proper packaging mentioned here is not fake. Generally speaking, it can help you avoid some misunderstandings and loan rejections caused by lack of information. At the same time, you will be informed of many matters needing attention after application, which greatly improves the efficiency of application.
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Matters needing attention in handling loans:
1, loan purpose
You can apply for a loan to buy a house, buy large household durable consumer goods, or study abroad, but you can't apply for a loan if it is used to buy contraband or engage in equity investment.
2. Loan interest rate
The loan interest rate of different banks is different, so you need to know which bank's loan interest rate is more suitable for you before you apply for a loan. If you don't choose a good loan interest rate, it may bring great pressure to your later repayment.
3. Loan costs
Many people tend to overlook the problem that there will be corresponding fees for handling loans. Generally speaking, these fees include notarization fees, contract fees, evaluation fees, insurance fees, mortgage registration fees and so on. Different banks will have different standards for the collection of these fees, and some banks will waive part or all of them.
4. Repayment method
The choice of repayment method must be cautious. Choosing the right repayment method can save a lot of interest in the later period, so you must choose the repayment method that suits you. Generally speaking, the common repayment methods are average capital repayment method and equal principal and interest repayment method, which are quite different.
5. Loan service
When handling loans, we should pay attention to whether the bank's loan service is thoughtful. The service level of different banks is different. When choosing, try to choose a bank with good service attitude and simple procedures.