This is illegal. Strictly speaking, this handling fee is called service fee, which is more reasonable and legal, because others don't understand the procedure of lending, so it is normal and legal for you to handle it on your behalf. Generally, there are few large loans, such as1100,0001~ 20,000,103 ~ 5,000. 400,000 to collect 30,000 is definitely illegal.
Legal basis: Article 961 of the Civil Law of People's Republic of China (PRC), an intermediary contract is a contract in which the intermediary reports the opportunity of concluding a contract to the client or provides media services for concluding a contract, and the client pays remuneration. Article 962 The broker shall truthfully report to the client the matters related to the conclusion of the contract. If the broker intentionally conceals important facts related to the conclusion of the contract or provides false information, which harms the interests of the client, he shall not ask for payment of remuneration and shall be liable for compensation.
How much agency fee do loan intermediaries usually charge?
There is no fixed proportion of agency fees charged by loan intermediaries. Under normal circumstances, the agency fees charged by loan intermediaries are calculated according to factors such as loan amount, loan operation difficulty, personal credit record, loan purpose, borrower's cooperation degree, etc.
1. There are two specific charging methods for loan intermediaries:
① Fixed loan fees are charged according to different loan products, generally ranging from 1000 to 5000; For example, the agency fee for car loan is about 500 for car registration, 200 for guarantee, 300 for car evaluation, 47 for GPS installation and 200 for disassembly. The agency fee of the loan intermediary in the mortgage part is fixed at around 1 000, and some charge 1, 500 yuan. The general handling fee or service fee is mainly the evaluation fee.
(2) According to the percentage of the loan amount, the general agency fee ranges from 3% to 9% (the agency fee of some lending institutions is also called the point; E.g., 3 points)
2.① Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises stipulates that the state encourages all kinds of social intermediary agencies to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises. But this must find a legal loan intermediary before it can be implemented according to law.
(2) The Notice on the Charge of Real Estate Intermediary Services issued by the Ministry of Construction of the State Planning Commission 1995 stipulates that the charge ratio of real estate intermediary services in China is 5%, which can be adjusted according to the actual market price.
(3) Article 23 of the Contract Law of People's Republic of China (PRC) stipulates that an intermediary contract is a contract in which the broker reports the opportunity to conclude a contract to the client or provides intermediary services for the client to conclude a contract, and the client pays the remuneration. If the broker facilitates the establishment of the contract, the principal shall pay the remuneration as agreed. Accommodation fee (also called "commission") refers to the remuneration collected by brokers for completing the loan application contract signed by customers and lending institutions. When the contract is established, the client shall also pay the corresponding remuneration in the contract.
What should I pay attention to when applying for mortgage loan from a bank through an intermediary?
First of all, if you find an intermediary company to handle housing mortgage loans, the handling fee is very high, and many intermediary companies will raise the interest rate of mortgage loans, which may rise a lot on the basis of the benchmark interest rate.
Generally speaking, they charge 3% of the housing loan as a handling fee. If the loan is 6.5438+0.5 million yuan, then the handling fee is 45 thousand yuan. In addition, the loan interest rate will be different according to the loan term and the situation of different banks, and the difference is still relatively large. The longer the general life expectancy, the lower the interest rate. In most intermediary companies, the mortgage interest rate will rise by about 20%-30%.
Secondly, if you find an intermediary to handle mortgage loans and give your personal information, real estate license and entrustment certificate to the intermediary, the intermediary may use these materials to dispose of the house at will, and the safety will not be guaranteed.
Therefore, when choosing an intermediary company, everyone must be careful to be cheated.
What is the cost of personal housing mortgage loan? What will happen to personal credit loans overdue?
Apply for the mortgage loan fee of my house.
1, housing appraisal fee
The applied property needs to be appraised by the house, which can only be appraised by the bank or the designated asset appraisal institution, and there will be appraisal fees in the middle. However, there is no uniform standard for the assessment fee of mortgage loan, which is generally linked to the assessed amount and then calculated directly according to the bill (the assessment deduction is about 200-500 yuan).
2. Notary fees
Some banks will require borrowers to fulfill fair loan contracts. After notarization of house mortgage, if the borrower defaults in the later period, the bank can evade the complicated procedures of auction by virtue of the notarized power of attorney, and forcibly complete the disposal of pledged property to ensure its rights and interests. At the level of charging standard, the notary office deducts 3‰ of the loan amount, and authorizes the notarization fee to be diversified at around 2000.
3. Appraisal fee for pledge right
It is the house ownership certificate that applies for real estate mortgage as general collateral. In this link, the borrower needs to pay the filing fee for the pledge of his rights. The tariff standards in each place will be different. General residential 80 yuan, commercial class must be 500-600 yuan.
4. Intermediary service fee
Some people want to get loans quickly and conveniently, and they will designate intermediary companies to handle mortgage loans. There is no such thing as a free lunch, and the intermediary company also needs to deduct the surcharge. There is no tariff standard for middlemen, which generally ranges from 2% to 10% of the total amount of the next paragraph. However, it can be noted that the more informal the intermediary, the greater the surcharge. In addition, the intermediary service fee has a certain bargaining area in a sense, mainly depending on how you master it. Regular customers are generally more talkative.
How can mortgage loans save more money?
1. Appropriate loan term
The longest loan period of housing mortgage loan is 30 years. According to the truth, the longer the loan term, the lower the repayment pressure, but the higher the loan cost; The shorter the loan term, the less interest and the lower the loan cost, but the repayment pressure is too great. Therefore, in order to save the loan cost, it is very important to choose the appropriate loan term. If the economic situation is not so good, it is best to choose a longer loan period, which will not seriously affect daily life. If the economic situation is more suitable, you can choose a shorter loan period to save the loan cost.
2. Appropriate repayment methods
There are many repayment methods of housing mortgage loans, but borrowers should not blindly choose, because the appropriate repayment methods can also save loan costs. Under normal circumstances, people who apply for housing mortgage loans can worry about equal principal repayment or equal principal and interest repayment. If you want to reduce the repayment pressure, it is best to choose the repayment method of equal principal repayment; However, if you want to save the loan cost, it is best to repay the principal and interest in the same amount, which will increase the repayment pressure.
3. Suitable loan commodities
Mortgage loan to buy a house belongs to housing mortgage loan. When handling mortgage loans, you can choose two kinds: personal provident fund loans and commercial loans. I believe many borrowers understand the advantages of personal provident fund loans, and the interest is low. If there is no provident fund, you can apply for commercial service loans, or if there is provident fund, you can get a combination of provident fund and commercial loans. In fact, no matter what the final loan product is, it is a good loan product as long as it can save the loan cost.
What will happen to personal credit loans overdue?
If the loan has not been repaid by the repayment date, in addition to continuing to pay the loan interest, it is also necessary to pay huge overdue interest and contract liquidated damages. Banks or different types of lending institutions have different deduction standards for overdue interest. Various private lending organizations will charge more than financial institutions. Some lending institutions need these borrowers to pay overdue interest, and they also need to pay huge contract liquidated damages.
Be urged to pay
At the beginning, lending institutions sincerely remind borrowers to pay off in one lump sum through SMS, but after a certain period of time, they will take actions to collect borrowers, such as making more than a dozen mobile phones and sending messages every day. Even if you change your phone number, they can still call your relatives and friends.
Endanger personal credit information
The interference with personal credit information is the most serious. No matter how you apply for a credit card or loan, as long as you access the central bank's personal credit information system, it will remain in the credit information report, which naturally contains overdue information. Bad credit records will not only damage the loans you have been making in commercial banks, but also affect your daily life.
Many people think that loans overdue will not affect personal credit for a day or two. Because financial institutions have a buffer period, if you default on the loan for three or six times, it will be overdue even during the buffer period, and if it is serious, it may be blacklisted.
towards
Loans overdue involves a large amount of money, and lending institutions may appeal. Although it is unlikely to go to jail, it will rule to freeze all your assets or force repayment.
How much is the handling fee for the mortgage loan?
The borrower shall apply to the bank for a loan, explain the purpose and reasons of the personal loan, and submit the corresponding loan materials. The handling fees involved in house mortgage mainly include appraisal fees, attorney fees, insurance fees, mortgage registration fees, notarization fees, etc. Suggest lending it to Moore Lang. A single enterprise tax bill loan can be lent in 30 minutes, which is trustworthy.
After the borrower applies for a loan from the bank, the bank will review the submitted materials. After approval, the bank will send professionals to evaluate the value of their houses. After the evaluation results come out, the bank will determine the loan amount according to the value of the house. Inform the bank borrower to come to the bank to sign the loan contract, go through the mortgage formalities and wait for the bank to lend money. The details of the handling fees involved in housing mortgage loans are as follows:
1. Appraisal fee: Generally speaking, the mortgage loan with a house needs to be appraised first, and the lending institution will determine the loan amount according to the price assessed by the professional appraisal company.
2. Attorney's fees: In addition to pledge, the application for commercial loans must be reviewed by lawyers, and legal opinions will be issued by law firms.
3. Insurance premium: In the provident fund personal housing loan, if mortgage guarantee and comprehensive housing insurance are adopted, real estate insurance and personal insurance must be purchased. Personal insurance depends on age and loan amount. Property insurance premium = insurance amount multiplied by 0.8‰ reinforced concrete structure multiplied by insurance period.
For more information about the loan, it is recommended to consult Moore Long. Moore has the most professional internet finance platform in China, covering 37 1 city in China, with more than 2 million registered users, and provides tens of billions of yuan in loan services to various customers every year. 20 15, Softbank China capital shares in Morlon. Softbank Capital is a leading venture capital institution in China, and has successfully invested in a series of outstanding enterprises such as Alibaba, Taobao, Focus Media and Global Data.
There are so many mortgage agency fees.