Spread out completely
The general service charge is 1-3%. I handled it in Beijing Yi Rong Runze Information Consulting Service Company.
Second, how many points does the decoration loan intermediary charge?
Under normal circumstances, you will be charged 1.5-2 points. If you borrow100000, the agency fee is about 1500-2000 yuan. The specific amount depends on your negotiation with the intermediary, which may also give you a lower price, because the business is not good at present and the competition is fierce. Find your own bank or financial institution, and he will give you a cheaper price. You can talk more about several companies.
Three, the loan agency fee is reasonable.
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. It 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. Loan channel 1. Traditional loans (also called offline loans) refer to the application for loans submitted through banks in real life. ) 2. Online loan (also called online loan, refers to submitting a loan application online), that is, P2P financial loan. The establishment of P2P was born between fundraisers and investors. Compared with traditional loans, Internet finance can avoid risks such as illegal fund-raising, bad debts and running away. Internet finance has no fixed investment group, which can effectively solve the safety of platform operation and protect the interests of investors. Three. Mobile phone loan (refers to the loan application submitted through the mobile phone loan app, which is flexible and convenient at any time and place) The basic provisions of the loan are:/kloc-China citizens aged 0/8 to 60 with full civil capacity. 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 that 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 socially recognized appraisal department. (4) Other documents and materials as 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 produce the income certificate issued by the employer, the borrower's tax bill and insurance policy. (8) The pledge right required for the borrower to obtain the pledge and the amount of mortgage, the list of collateral and ownership certificate, the written document of the owner and the property that someone agrees to pledge and mortgage. (9) The borrower also needs to provide the bill for the hydropower property where the company is located and the bill for the hydropower property with personal address. Loan term: the maximum validity period of the mortgage line is 5 years, the maturity date of the pledge line shall not exceed the maturity date of the pledge right, and the maximum validity period of the credit line and the guarantee line shall not exceed 5 years. The validity period of the line shall be calculated from the effective date of the loan contract. If the borrower applies for two or more lines of pledge, mortgage, guarantee or credit at the same time, the Construction Bank will verify the validity of the borrower's personal consumption line loan according to the shortest line. After the limit expires, it is not allowed to continue to withdraw the remaining limit. Loan interest rate: it is subject to the loan interest rate regulations of China Construction Bank.
4. How much is the loan agency fee reasonable?
There are two ways to charge the loan intermediary: one is to charge a fixed loan fee according to the different loan products, generally ranging from 1000 to 5000; For example, for car loans, the general vehicle registration fee is about 500, the guarantee fee is about 200, the car evaluation fee is 300, and the GPS installation/disassembly fee is 200. 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. On the other hand, according to the percentage of the loan amount, a fee of 3% to 9% is generally charged (some lending institutions are also called points; E.g., 3 points)