First, there is no service charge for loans from banks. Bank loans need to bear the following expenses:
1. handling fee.
2. Interest expense.
3. liquidated damages. Loan service fee refers to the fee charged when handling loan business, which is generally charged by banks, and the charging standard depends on local conditions. The loan service fee is generally charged by the bank, and the third party helps to handle the loan business. Loan service fee, the charging standard depends on local conditions. There is no need to pay this fee for provident fund loans, but only the underwriting fee (loan amount 1000 3, minimum 300) and the house evaluation fee (evaluation value 1000 3, minimum 300, maximum 1500).
Two, of course, some loans that are not in the bank need handling fees, and their loan agency fees are introduced as follows:
1. Intermediary fees are various, some of which are "pitted", so Xicaijun does not recommend that you apply for a loan through an intermediary. If you have difficulty in applying for a loan, you can try this: if the loan demand is not urgent, you can wait for a while before applying for a loan.
2. During the waiting period, people can improve their credit status through credit cards, micro-loans, etc. When applying for a loan, you can purchase loan insurance to enhance your repayment ability and improve the loan pass rate.
3. The loan intermediary usually charges 3% to 9%.
Generally speaking, when we apply for loans from banks and online lending platforms, we rarely encounter loan agency fees and handling fees. If you seek intermediary help when making a loan, you may need to pay intermediary fees and handling fees. There is no fixed proportion of agency fees and handling fees for loans.
4. The calculation of the loan is usually based on the amount, purpose and duration of the loan, as well as the credit status of the borrower. At present, many intermediaries charge fixed fees in addition to proportional fees.
5. Generally, the handling fee will be paid after success. If you can't get the money, charging the handling fee is a liar. If the person who collects the fee is a credit intermediary, he is collecting your intermediary service fee and intermediary fee. It is clear in advance and you agree that it is reasonable and legal. The handling fee of 15 is obviously higher than the normal standard, which can only be said to be unreasonable, but the issue of intermediary handling fee is not stipulated in law. As for packaging materials and then borrowing money, it is illegal in itself. The loan company only charges loan interest, and does not charge handling fees. The maximum interest rate shall not exceed 20%, otherwise it will not be protected by law.