The loan agency fee is generally calculated as a percentage of the loan amount, generally ranging from 3% to 9%. That is 3-9 points.
The loan agency fee is actually the so-called loan service fee, and the charging standards are different for different situations in which the lending institution collects agency fees. In many cases, the lending institution charges a certain agency fee according to the corresponding percentage point according to the loan amount, so the higher the loan amount, the higher the agency fee to be paid.
Under normal circumstances, there is no fixed proportion of loan agency fees and handling fees. The loan agency fee is generally calculated according to the loan amount, loan operation difficulty, personal credit record, loan purpose and borrower's cooperation.
There are two ways to charge the loan intermediary:
First, charge a fixed loan fee according to the different loan products, generally ranging from 1000 to 5000; Second, according to the percentage of the loan amount, the fees generally range from 3% to 9%.
In addition, the fund department of a city price bureau also talked about the loan intermediary charging a certain loan service fee, which is regulated by the market and determined by the intermediary company itself. On this basis, borrowers can shop around and choose for themselves. But the contract should be signed on the premise of negotiation between the two parties. When an intermediary agency provides services, it shall not force the borrower to accept the services, and inform the charging items, and clarify the charging subject, charging content and charging amount. In addition, some intermediaries often calculate according to the amount, purpose, term and credit of the borrower. At present, many loan intermediaries charge a fixed amount of fees in addition to proportional fees.
Finally, there are many kinds of fees charged by the intermediary, including some "pits", so it is not recommended that you go to the intermediary to apply for a loan. If it is difficult for you to get a loan, you can try this: if the loan demand is not urgent, you can wait for a while before applying for a loan.
During the waiting period, everyone can improve their credit level through credit cards and other means. When applying for a loan, you can purchase loan insurance to enhance repayment ability and improve the loan pass rate.
Is it reasonable for the intermediary to charge 6% a year?
Hello, loan intermediaries are organizations and individuals that provide you with loan services. They will choose the right loan channel according to your qualifications and charge a certain fee. But there are many ways to apply for a loan now. You can apply for a loan from the bank by mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.
I recommend you to use the money flower, which is a credit service brand under Du Xiaoman Finance (formerly Baidu money flower, renamed as "money flower" in June 2065438+08). Big brands are reliable and trustworthy with low interest rates. The money is spent-full of easy loans, the maximum loan amount is 200,000 (click the official calculation), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Youhuahua, please borrow it reasonably according to your needs. Specific product-related information is subject to the actual page of Youhuahua official APP. I hope this answer is helpful to you. Click on the bottom of the phone to measure immediately! The maximum loanable amount is 200,000.
It is reasonable to charge a few points for the loan agency fee.
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.
Basic loan terms:
Loan target: China citizens aged 18 to 60 with full capacity for civil conduct.
Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.
Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB.
Application materials to be provided:
1. A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.
2, the guarantor's credit certification materials.
3. Collateral appraisal report issued by the appraisal department recognized by the society.
4. Other documents and materials stipulated by the Construction Bank.
5. Original and photocopy of the borrower's valid identity certificate.
6. Local permanent residence or valid residence identity certificate.
7. The borrower shall issue the income certificate issued by the employer, the borrower's tax bill and insurance policy.
8. The pledge right, the list of collateral and the ownership certificate required for the borrower to obtain the collateral and the mortgage amount. Written documents of the owner and the property that someone agrees to pledge or mortgage.
9. The borrower also needs to provide the payment voucher for the hydropower property where the company is located and the payment voucher for the hydropower property at the personal address.
How much is the agency fee for bank loans?
Intermediary fees are generally collected in two ways according to the transaction time node: one-time collection or segmented collection. In housing transactions, the agency fee is generally borne by the buyer and the seller, and of course it is also borne by the seller in full. There is no strict restriction on who will bear the agency fee, as long as all parties reach an agreement. The agency fee is as follows, taking the sale of real estate as an example:
1, real estate consultation fee: according to the service form, there are two kinds of consultation fees: oral consultation fee and written consultation fee. The specific standards are determined according to the professional level and workload.
2. Price appraisal fee: the real estate price appraisal fee, mainly based on real estate, is charged step by step according to the total real estate price.
3. Real estate brokerage fee: the fee charged by the house buying and selling agent is 0.5%-2.5% of the total transaction price. In the case of exclusive agency, the charging standard may be appropriately increased, but it shall not exceed 3% of the transaction price.
The loan agency fee is generally a few points.
It depends on what you are doing. If it is a bank, because the interest rate is relatively low, it generally charges 5-8 points, and 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.
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.
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.
Loan repayment method:
Equal principal and interest repayment method: that is, the sum of loan principal and interest is repaid in equal amount every month. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
Average capital repayment method: that is, the borrower repays the loan in every installment (month) during the whole repayment period, and at the same time pays off the loan interest from the previous trading day to the repayment date. 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 loan maturity date (applicable to 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;
Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is10,000 or an integer multiple of10,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
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, when making loans, the fund demanders should "shop around" and choose low-interest bank loans.
Will the 50 thousand handling fee for six points be very high?
This depends on your specific situation. If you can provide all the information yourself, six points will be a bit high, and three or four points will be fine. If you can't provide some information and need others to help you supplement it, 6 points is not high.
How much is the loan agency fee reasonable?
Intermediary loans generally charge about 0.5 to 3 cents, which depends on the intermediary company the customer is looking for, because the points of each intermediary company are different. Like the larger intermediary companies, the points they set are calculated according to the total transaction price of the house.
Under normal circumstances, the transaction price of a house below 1 10,000 will be charged by 3 points, and the transaction price above 5 million will be charged by 0.5 points. In other words, the higher the transaction price of the house, the lower the points collected by the intermediary company, and the higher the transaction price, but basically it will not exceed 3 points. Loan intermediary refers to cooperation with banks. The main body of the loan is the bank, and the intermediary helps you find the most suitable product in the fastest time and charges a certain fee.
The loan intermediary exists as a turning interface that transforms the unified interface of the bank into a variety of customers, more like a microchannel that flows into the borrower's market.
Loan intermediaries mainly provide loan guarantees for small and medium-sized enterprises, including enterprise liquidity loan guarantees and personal business loan guarantees. , and can also provide investment and financing guarantees, performance guarantees, etc. The enterprise needs to provide the information required by the guarantee company, and the guarantee company will evaluate its solvency.
Extended data
Development trend and characteristics of loans;
1. The loan search platform is developing towards diversified financial services. Diversification, collectivization, relying on the long-standing vertical search mode of the loan industry, transformation and upgrading, credit card diversion, cash loan diversion, and even wealth management.
2. The mode of completely abandoning orders is developing towards the socialization of brokers. Completely abandoning orders, the platform profit model is single, and when the transaction volume is insufficient, it is not enough to make ends meet. Some platforms claim to have more than one million brokers, ranging from hundreds of thousands to hundreds of thousands, and the number of active users is unknown; Such platforms will focus on brokers and provide them with comprehensive services such as tools and social services.