What does the financing consulting service fee mean?

The financing consulting service fee originally refers to the service fee and transaction fee that financial institutions need to charge during the loan process. However, it should be noted that when buying a car, whether it is a loan or a full car purchase, there is no provision for charging financial service fees. Therefore, when buying a car, you must ask the details of various charges to avoid being cheated and spending more money.

Loan financing fee refers to a certain service fee and transaction fee when handling financing secured loans. Financing secured loan refers to the principal and interest repayment guarantee provided by the guarantor for the guarantor to finance the beneficiary. Borrowing money (financing) from banks generally requires guarantees: government-guaranteed loans, enterprise credit-guaranteed loans and natural person-guaranteed loans.

Financing secured loans are usually divided into property guarantee, personal guarantee and third-party guarantor. The guarantee of things is mainly manifested in the mortgage and control of project assets, including the mortgage of real estate (such as land and buildings) and tangible movable property (such as machinery and equipment, finished products, semi-finished products and raw materials). ).

Enterprise financing secured loan process: application, investigation, communication, guarantee, loan, tracking, prompt, dissolution, recording and filing. Among them, guarantee refers to the confirmation of loan guarantee and counter-guarantee agreement, asset mortgage and registration with enterprises, the signing of guarantee contract with loan banks, and the formal establishment of guarantee relationship with banks and enterprises.

There are some differences between financing secured loans and loans:

1. The business scope is different.

2. The legal relationship involved is different from the subject of the contract.

3. Different business sources.

4. The focus of risk control is different.

5. Flexibility of counter-guarantee and guarantee measures.

6. The monitoring focus on loans is different.

The financing fee for each installment refers to the repayment amount of users for each installment, including not only the loan principal and interest, but also the extra fees to be paid to the financing guarantee company. After paying the financing fee, when the user is overdue, the financing guarantee company will repay the loan for the user and let the lending institution transfer the overdue risk. After that, the user needs to return the overdue arrears to the financing guarantee company.

For users, if the financing guarantee company repays on their behalf, there may be compensation records in the credit information. Once the compensation record appears, it will also be regarded as the bad credit information of the user. So everyone must pay attention to this.