This is legal, but unreasonable. Loan agency fee 15%. I think the cost is too high. However, the loan agency fee is legal, not illegal. If you agree to pay the fee, let him apply for a loan; Refuse to pay the fee if you don't agree, and don't lend it.
The expenses that the Lender shall bear when handling the loan are as follows:
1. Handling fee
At present, some banks will attract customers' attention through interest-free loans, but in fact they charge interest through handling fees;
2. Interest expense
The amount of interest depends on the bank chosen by the lender or the personal loan conditions of the lender. Different banks charge different loan fees. If the lender has good conditions, the loan interest charged is low;
3. liquidated damages
If an individual fails to repay the loan on time when signing a loan contract with a bank, the bank has the right to collect liquidated damages according to the amount agreed upon when signing the contract.
How much is the loan agency fee reasonable?
The information or technical service fee of loan intermediary income is actually the intermediary fee, and some of them will be higher, depending on the individual and the urgency. 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.
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.
At present, there is no fixed proportion between loan agency fee and handling fee, which 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.
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 of the Ministry of Construction of the State Planning Commission 1995 on China's real estate intermediary service fees stipulates that the proportion of China's real estate intermediary service fees is 5%, which can be adjusted according to the actual market price.
3. China's "People's Republic of China (PRC) Contract Law" stipulates in Article 23 that an intermediary contract is a contract in which the intermediary 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.
How much is the agency fee for bank loans legal?
General charges range from 3% to 9%.
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.
Matters needing attention in the process of second-hand housing transaction
1, it's best for the three parties to meet and trade transparently.
Buying and selling houses is very complicated, so we should communicate with each other before the transaction. When trading, it is best for both the buyer and the seller and the intermediary company to meet, so as to make the transaction transparent and avoid being cheated.
2, don't meet also depends on the agency contract.
If you can't meet, you should also ask the intermediary company to issue an entrustment contract between the buyer and the seller. Entrustment contracts generally specify the price and the scope of rights of the agent, which is conducive to ensuring the interests of both buyers and sellers.
In addition, the intermediary company should be required to produce a series of certificates and clearly indicate the detailed personal information of both parties in the contract. If some clauses in the contract are found to be inconsistent, the buyer and the seller should consult all the questions before signing.
3, check the relevant documents, identify the real house.
For the seller, if the intermediary company makes a cash purchase, it must go through the corresponding transfer procedures to prevent the intermediary company from selling the house to earn the difference before going through the formalities.
As for buyers, we should be wary of fake houses, some of which are just owners, but not real owners. If the deposit is paid before checking the relevant documents and distinguishing the true and false landlord, the intermediary company falsely claims that the house has been sold, and the deposit will be difficult to return.