Tall man.
1, people who make loans charge fees in order to earn the difference in handling fees and make themselves profitable. Generally speaking, it's not urgent. As long as the normal loan fee does not exceed 4-5%, it's reasonable.
2. The lowest score for general NGOs is 1, and there are 2 or 3 cases.
Nowadays, people often use loans in their lives. There are many kinds of loans, which are usually divided into mortgage loans and credit loans. There are also many ways to borrow money. In addition to common bank loans, there are also local companies, but loans are also accompanied by risks, and borrowers need to measure their economic ability to choose.
4, so drawing 8 points is definitely unreasonable.
Is it illegal to charge commission for helping others to borrow money from banks?
It's not illegal to help others get a commission from a bank loan. If there is fraud in the process of loan, it is illegal.
How much is the loan agency fee reasonable?
The information or technical service fee of loan intermediary income is actually the intermediary fee, and some of them will be higher, depending on the individual and the urgency. The loan agency fee generally ranges from 3% to 9%.
Generally speaking, when applying for loans from banks and online lending platforms, people rarely encounter loan agency fees and handling fees. If you find an intermediary to help you with the loan, you may have to pay the intermediary fee and handling fee. There is no fixed ratio between loan agency fee and handling fee.
Generally speaking, when applying for loans from banks and online lending platforms, people rarely encounter loan agency fees and handling fees. If you find an intermediary to help you with the loan, you may have to pay the intermediary fee and handling fee.
At present, there is no fixed proportion between loan agency fee and handling fee, which is often calculated according to the borrower's amount, purpose, term and credit. At present, many intermediaries charge a fixed amount of fees in addition to proportional fees.
1. Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises stipulates that 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. But this must find a legal loan intermediary before it can be implemented according to law.
2. The Notice of the Ministry of Construction of the State Planning Commission 1995 on China's real estate intermediary service fees stipulates that the proportion of China's real estate intermediary service fees is 5%, which can be adjusted according to the actual market price.
3. China's "People's Republic of China (PRC) Contract Law" stipulates in Article 23 that an intermediary contract is a contract in which the intermediary reports the opportunity to conclude a contract to the client or provides intermediary services for the client to conclude a contract, and the client pays remuneration. If the broker facilitates the establishment of the contract, the principal shall pay the remuneration as agreed. Accommodation fee (also called "commission") refers to the remuneration collected by brokers for completing the loan application contract signed by customers and lending institutions. When the contract is established, the client shall also pay the corresponding remuneration in the contract.
What percentage do some institutions charge for personal agency loan business?
There are several proportions.
The agency fee charged by the loan company is generally 1000 to 5000. There are two ways to charge a loan intermediary: (1) charging a fixed loan fee according to different loan products, generally ranging from 1000 to 5000; For example, a car loan usually costs about 500 yuan for a car, about 200 yuan for a guarantee, about 300 yuan for a car evaluation, and about 200 yuan for GPS installation/disassembly. Some mortgage lending institutions are also fixed at around 1 1,000 yuan, and some loan intermediaries charge 1, 500 yuan. The handling fee or service fee is generally based on the evaluation fee. (2) According to the percentage of the loan amount, it is generally charged 3% to 9% (some lending institutions are also called points; E.g., 3 points)
A loan intermediary company is a financial service institution that earns commissions through its services. It can be understood that if you pay the fee, everything they can do for you can basically help you operate, which can save a lot of time. Similarly, if you live on this service, you must, in many ways, make our choice as cost-effective as possible.
1. Generally speaking, there are several points in the loan agency fee: the loan agency fee is not clearly stipulated. 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.
2. Is the loan intermediary company reliable: Generally speaking, the intermediary company is reliable, because the purpose of the formal loan intermediary company is to help customers complete the loan processing, and then charge a certain fee according to the work. The amount of handling fee usually depends on the difficulty and workload of the work, so the handling fee may be different for everyone. What Bian Xiao wants to emphasize here is that the above situations are usually based on the choice of formal intermediary, but now many intermediary companies, large and small, cheat in the name of intermediary, so this is also the reason why intermediary companies have a bad reputation. We must be cautious when choosing and inspecting loan intermediary companies. If it is a small-scale loan intermediary and needs to collect fees in advance, it is necessary to be vigilant. Most of these units are unreliable, because formal intermediaries rely on service and reputation to operate in addition to making money by themselves. Overcharging in the early stage is basically not the style of formal units.
The loan takes a commission, which is the commission. Is the loan principal deducted from the commission? Really?
Do companies have to withhold and remit loans or commissions from individuals? Is it necessary to deduct 20% if it exceeds 800? But there are two situations in our company:
1. Borrowing from individuals: the shareholders and employees of the company borrow money in their own names and then lend it to the company, and then the company repays the loan principal and interest in installments every month. Is it a bit unreasonable to deduct employee's tax from the interest paid?
2. We are an online platform, which is equivalent to B2B. Anyone can become our online distributor to recover our commission. Is it unrealistic for these thousands of people to declare the withholding tax of these N people?
Is it illegal for a credit company to charge 19% service fee for helping people with loans? Can the police be saved?
Not illegal. Credit companies charge 19% service fee for helping people with loans: no service fee is required for normal loans. If the other party asks for a service charge, it should be distinguished. When you don't know the content of the loan service fee, you can ask a lawyer to help you safeguard your rights and interests. If you just borrow money directly from the bank, there will be no service charge. The loan agency fee is legal, as long as it does not exceed the standard. Legal basis: 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. The agency fee is a legal fee, and the law supports it as long as it does not exceed the standard.