If it is simply a direct bank loan, there is no service charge; But from a legal point of view, the loan agency fee is a legal agency fee and a legal charging item. As long as it does not exceed the standard, the law supports it. The income of the microfinance company, that is, the cost of your loan, is mainly reflected in the interest rate level, and the service fee can be ignored.
The bank's credit information system is now networked. If there is a problem with the credit information system of one spouse, and one spouse borrows money to buy a house, the bank will find out clearly. Based on this premise, if they have stipulated the responsibility within the bank, they are generally not allowed to borrow money to buy a house. It is best to consult the local bank, because there is a problem with the credit information, and then deal with it.
Credit investigation is an activity of collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation and credit information consulting services, helping customers to judge and control credit risks and carry out credit management.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.