Without the loan agency fee, the salesman of the loan company is not allowed to ask you for the agency fee under any excuse during the loan process. If you get loan resources through an intermediary, you can only say that you will give a little benefit.
Second, is the intermediary loan service fee legal?
If it is simply a direct bank loan, there is no service charge; But from a legal point of view, the loan agency fee is legal. The agency fee is a legal fee, and the law supports it as long as it does not exceed the standard. The company's income, that is, the cost of your loan, is mainly reflected in the interest rate level, and the service fee can be ignored.
Three, the legal scope of loan agency fees
There is no uniform regulation, and the amount of collection mainly depends on the customer's situation (amount and conditions). It is ok to divide the loan into 3%- 18%, and some even exceed 18%. Because credit intermediary is a kind of financial service, it is legally recognized to charge intermediary service fees.
Extended data:
Loan refers to the money lent by banks, credit cooperatives and other institutions until the date of repayment. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. By releasing loans, banks can meet the needs of expanding social reproduction and promoting economic development, and at the same time, banks can also obtain loan benefits from them.
On the legal establishment and legal status of the borrower. If it is an enterprise, it shall examine whether the borrower is legally established, whether it has the qualifications and qualifications to engage in related businesses, and whether the business license has passed the annual inspection or relevant verification.
Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Review whether there is a clear situation in registered capital flight; Past loans and repayments; Environmental protection, tax payment, etc.
The types of loans are characterized by efficiency, safety and liquidity, and refer to the specific organizational forms of loans. The types of loans are classified according to specific categories.
Intermediary fee is a kind of fee, which refers to the reasonable fee charged by the agency that provides intermediary services such as buying house, renting house and making friends for customers in the process of providing services. Agency fees are generally invoices collected by third parties. There is no written provision for the collection of housing agency fees.
Intermediary fees are generally collected by third parties such as intermediary companies. Unless they are not real landlords, they should not be paid to landlords, but we should also pay attention to being hacked. Generally, the agency fee is charged at one time, and there is no written regulation on the collection of attention.
For the third-party fees, the third-party fees refer to the fees paid by the embassy and the application fees paid by the school.
Four, the legal scope of loan agency fees
There is no uniform regulation, and the amount of collection mainly depends on the customer's situation (more on the amount and conditions required by the customer). Generally, the loan agency fee ranges from 3%- 18%, and some even exceed 18%, which is acceptable. Because credit intermediary is a kind of financial service, it is legally recognized to charge intermediary service fees. Extended data:
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. 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. Review the legal status of the borrower, including its 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. Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Review 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. The types of loans are characterized by efficiency, safety and liquidity, and refer to the specific organizational forms of loans. Loan type is a specific classification of loans according to certain standards. Intermediary fee is a kind of fee, which refers to the reasonable fee charged by the agency that provides intermediary services such as buying house, renting house 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. Intermediary fees are generally collected by third parties such as intermediary companies. Unless they are not real landlords, they should not be paid to landlords, but we should also pay attention to being hacked. Agency fees are generally charged in one lump sum. Please pay attention to asking for invoices. There is no written provision for the collection of housing agency fees. General agency fees do not include third-party fees, which refer to the fees to be paid to third parties. For example, the visa fee is paid to the embassy and the application fee is paid to the school.