According to Article 40 of People's Republic of China (PRC) SME Promotion Law:
The state encourages all kinds of social service institutions and platforms to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises.
charging standards
The charging standard of each loan intermediary agency is still different, and there is no clear law on the scope of intermediary fees. But in real life, the service fees charged by most intermediaries are about 3%-9% of Keane's loan. If it exceeds this range, it is a high service fee, and it is not recommended for borrowers to apply.
Generally speaking, loan intermediaries help borrowers to apply for loans, including all operating costs of financing institutions, channel maintenance costs of intermediaries, time costs for intermediaries to exchange customers and other expenses.
The loan object, loan application type, loan application amount, loan application period and other factors will have a certain impact on the agency fee. There is also a charging method for loan intermediaries, which charges a fixed loan fee according to different loan products, generally ranging from 1000 to 5000.
There are also some intermediaries whose fees will exceed 10% of the loan amount, which generally belongs to "all-inclusive service". The borrower only needs to provide the loan application materials, and the formalities, processes and other matters are arranged by the intermediary, and even the intermediary can be entrusted for face-to-face signing.
Why does the loan intermediary have a higher success rate in applying for loans?
Most loan intermediaries actually have long-term cooperation with banks and private financial institutions. These intermediaries have a clear understanding of the loan interest rate, the threshold for applying for loans, the amount of loans available, and what the loan information needs.
The intermediary will match the most suitable loan scheme for the borrower according to the information provided by the borrower. On the one hand, it can avoid the borrower's meaningless loan application, on the other hand, it can greatly improve the success rate of the borrower's loan application.
In addition, the borrower entrusts an intermediary to handle the loan, which can also save him a lot of time. Applying for a large loan is very complicated and requires a lot of information. With the help of intermediaries, borrowers can really save a lot of effort.