The loan company will vary according to the loan amount and the difficulty of funding. Regular loan companies generally charge about 1~3 points. 1. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Two. Microfinance review risk The risk of a loan often begins at the loan review stage. What happened in the comprehensive judicial practice can be seen that the risks in the loan review stage mainly appear in the following links. (1) The loan examiner of the bank was omitted from the review content, 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. (2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk. (3) 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. 3. The legal content of the pre-loan investigation (1) examines the legal status of the borrower's 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. (2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.
Second, the loan agency fee is generally divided into several points.
It depends on what you are doing. If you are a bank, the interest will be 3 points higher than our company. If your qualifications are poor, you may get more.
Most of them are charged according to the quota, and many of them are as high as 20-30 points below 200,000.
From 2 million to 5.5 million yuan to 1 10,000, it is generally more than 5 points. 100.
Loan is a form of credit activity in which banks or other financial institutions borrow monetary funds. Loans in a broad sense refer to loans, cash deposits, overdrafts and other capital lending. Putting in bank money and monetary funds can meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also get loan interest income from it.
Bank loan interest rates are all calculated by computers based on personal credit information, income, work and other information. In other cases, you can only keep your credit information and try to repay your credit card on time to avoid overdue feelings.
The repayment side of the loan is blind and early;
Equal principal and interest repayment method: that is, the sum of loan principal and interest is repaid in equal amount every month. The monthly repayment amount of housing provident fund loans is the same as that of commercial individual housing in most banks;
Average capital is a repayment method to pay off the loan interest from the previous trading day to the current repayment date by means of average allocation in each period (month) during the whole repayment period. In this way, the monthly repayment amount decreases month by month;
Pay interest on a monthly basis, and repay the principal at maturity: that is, the borrower repays the loan principal in one lump sum on the maturity date of the loan [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis: that is, the borrower can repay part of the loan amount in advance, and the general amount is an integer multiple of 65,438+00,000 or 65,438+00,000. After repayment, the lending bank will issue a new repayment plan with the repayment amount and repayment period of.
Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.
Borrow and pay back: interest is calculated daily after borrowing, and interest is calculated daily. You can pay the money in one lump sum at any time without any penalty.
At present, the competition between banks is very fierce. In order to gain more market share, banks will adjust the loan interest rate according to the loan interest rate range stipulated by the state. Therefore, people who have a good demand for funds should "shop around" and choose low-interest banks to lend.
3. What is the general handling fee for mortgage loan?
The risk margin of bank mortgage loan is charged at one percent of the loan amount, and the appraisal fee is charged at five thousandths of the appraisal price. The loan service fee is 500 yuan and the mortgage registration fee is 80 yuan.