This is illegal.
Strictly speaking, this way, because others don't understand the procedures, it is normal and legal for you to handle the loan and charge the service fee on your behalf. Generally, there are few large loans, such as1100,0001~ 20,000,103 ~ 5,000. 200 thousand is legal
First of all, from a legal point of view, the loan agency fee is legal. Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises Article 40 The State encourages all kinds of social intermediary agencies to provide information consultation, investment and financing services for small and medium-sized enterprises. Intermediary fees are legal fees.
It is legal for a loan intermediary company to collect agency fees, because there are indeed handling fees, hospitality fees and so on in the loan process. A professional loan intermediary knows very well what information institutions need to be prepared, what conditions need to be met, and what information needs to be prepared with you. Even what you said is properly packaged, and some people refuse to lend because of misunderstanding and lack of information. At the same time, you will be informed of many matters needing attention after application, which greatly improves the efficiency of application.
Extended data:
Loans are the form of activities such as bank interest rates and must be returned. Loans in a broad sense refer to loans and interest subsidies? Putting centralized monetary and monetary funds out by means of overdraft and other loans can meet the needs of society to expand reproduction and replenish funds, and banks can also obtain loan interest income from it and increase their own products.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks.
2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so that customers can withdraw it at any time.
3. Efficiency is the basis of sustainable operation of banks. For example, if the loan is issued, the benefits will be good, but if the loan term is long, the risks will increase, the security will decrease and the liquidity will weaken. Therefore, risks should be avoided in the "three natures": private lending is an informal credit model in China's credit system, and there are certain risks in this way due to the lack of certain supervision. How to scientifically and effectively reduce this loan risk?
We can do our homework from the following aspects:
1, it is necessary to strictly review the market access mechanism and review the qualifications of some private lending institutions. Private banks with certain funds that can operate according to law can be exclusively used by private financial institutions within a certain period of time; On the other hand, it is necessary to give a clear blow and ban to the seekers and maintain a good financial order.
2. The interest rate of private lending should be managed more transparently. To standardize this kind of private lending, we should fully consider the lending demand and incorporate it into our effective management methods, which can fluctuate according to the requirements of the lender's qualification level, and use some market competition to promote the development of lending norms.
3. Introducing loans into the real economy, people have a lot of capital, so where do they need to go? But we also need to enter the cycle of the real industry, so as to promote the sustainable development of the real economy. Instead of just wandering around as some free capital, it is better to use it legally and normatively.
4. It is necessary to strengthen the flow of private lending funds and implement effective management. It is necessary to set up some special supervision institutions to supervise their lending behavior, monitor and manage funds, establish perfect, sound and scientific import statistical monitoring indicators, and conduct necessary supervision and guidance on the flow and investment of some private lending funds to prevent some private mortgages from being everywhere.
5. Many intermediaries or "employers" of private equity funds are fake. Fake intermediaries usually make clients spend a lot of designated items to cheat, including the cost of issuing evaluation reports and due diligence attorney fees. If the above documents and legal acts are needed, the entrusting party must issue them by itself.
Second, is it legal to borrow 40,000 to 27,000 yuan?
Illegal. According to the question: It is illegal to hit 40,000 IOUs and get 20,000, which belongs to it. Refers to private lending that requires extremely high interest rates. The interest rate is usually determined by the borrower and the borrower through consultation, but the interest rate determined through consultation between the two parties shall not exceed 4 times (excluding floating) the loan interest rate of financial institutions at the same period and at the same level announced by the People's Bank of China. Those who exceed the above standards should be defined as high-interest loans.
Third, I borrowed 40 thousand and got 27 thousand. A month later, I want to pay back 40 thousand. The interest reaches 3. ...
Claims with interest can be litigated and will be judged according to the bank deposit interest rate at the time of loan formation.