There is no clear provision for paying agency fees. Generally speaking, the normal agency fee is between 3- 10.
The handling fee of the loan intermediary is determined according to the customer's city and personal qualifications. For example, in first-tier cities, the score is generally above 10, because customers only need to cooperate to provide information, and other things are handled by intermediaries, so the handling fee will be more expensive. Some intermediaries will also reduce the price by a few points to attract customers, so they are basically between 3- 10. Because the interest rate is relatively low, banks generally charge 5-8 points, while small loan companies generally charge 3 points. If your qualifications are poor, you may get more. Most of them are charged according to the quota. Many of them charge less than 200,000 yuan 10, and some charge as high as 20-30 points. 200,000-500,000 yuan, 5- 10; 500,000 to 6,543.8+0,000 generally receives more than 5 points, and 6,543.8+0,000 generally receives about 3 points.
First, the payment method of agency fees
1. Intermediary fees are generally collected by third parties such as intermediary companies. Unless they are not real landlords, they should not be paid to landlords, but attention should also be paid to hacking.
Generally, the agency fee is charged at one time, so be careful to ask for the invoice.
3. There is no written provision for the collection of housing agency fees.
Second, the agency fee charging standard
1. In general, if leasing, both parties have to pay half a month's rent to the third party. If you buy or sell, you will generally charge 2% of the total house price, and both parties will pay 1%. In the actual transaction, both parties can negotiate the proportion of their respective payments.
2. Housing agency fee charging standard
Real estate intermediary service fees shall be collected by real estate intermediary service institutions according to the charging standards, and invoices shall be issued to pay taxes according to law. Real estate intermediary service charges shall be clearly marked, and intermediary service institutions shall announce their charging items, service contents, charging methods, charging standards and other matters in a prominent position in their business premises or payment places.
3. Real estate consulting
It is divided into oral consultation fee and written consultation fee. The oral consultation fee shall be determined by both parties through consultation according to the time required for consulting services and the professional and technical level of consultants. The written consultation fee is charged according to the technical difficulty and complexity of the consultation report combined with the target amount. General consultation report, each charge is 300- 1000 yuan; For consulting reports that are technically difficult, complicated in content and consume a lot of manpower and time, the charging standard may be appropriately increased, but it shall not exceed 0.5% of the amount of the consulting target.
4. House price evaluation
, with the qualification of real estate appraisal and confirmed by the real estate administrative department, the price department charges according to the prescribed standards. Real estate price evaluation and general parcel evaluation mainly based on real estate adopt different fixed rates and progressive charges, that is, the rates and grades are divided according to the total real estate price, and the expenses of each file are calculated according to the file, and the cumulative sum of the expenses of each file is the total cost.
The personal loan qualification is not enough, and the bank has repaid it, from which more than 10000 consulting fee has been deducted. Is the contract valid?
Generally speaking, it is effective.
If the qualifications are not enough, it is common to charge a certain consulting fee and other fees to lend.
Although this kind of behavior is illegal, it is only a gray area. As long as the contract is signed, it is a valid contract.
How much is the loan service fee?
When handling loan business, the fee charged is called loan service fee. Generally, it is a bank collection, and there are also third-party collections that help the loan business. Loan service fees and charging standards depend on local conditions.
You don't have to pay this fee to apply for a provident fund loan, but you only need to pay a guarantee fee (three thousandths of the loan amount, with a minimum of 300) and a house evaluation fee (three thousandths of the evaluation value, with a minimum of 300 and a maximum of 1500).
loan rate
The proportion of interest in the total loan funds within a certain period is the manifestation of the loan price. Namely: interest rate = interest amount/loan principal.
Interest rates are divided into daily interest rates, monthly interest rates and annual interest rates.
The lender determines the loan interest rate with the lending bank according to the benchmark interest rate and interest rate floating space announced by relevant laws and regulations of various countries.
benchmark interest rate
The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can benefit from this benchmark.
The level to be determined. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs.
Investors calculate investment income and management's macroeconomic regulation and control. Objectively, it is required to have a recognized benchmark interest rate.
For reference. Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism. Simply put, you usually
Deposit the money in the bank and he will give you interest. The greater the benchmark interest rate, the more interest; The smaller the benchmark interest rate, the smaller the interest.
How to get the lowest bank loan interest rate
First, choose the bank with the lowest interest rate to apply for a loan.
Although the central bank has introduced the benchmark interest rate, the interest rates of all banks will rise above the benchmark interest rate, and the specific floating situation is different from bank to bank. Therefore, in order to get the lowest bank loan interest rate, we must "shop around" and then choose the bank with the lowest interest rate.
Second, pay attention to personal credit reporting and maintain good credit reporting.
Bank loan interest rates are all calculated by computers based on personal credit information, income, work and other information. In other cases, you can only keep your credit information and try to repay your credit card on time to avoid overdue.
Loan principle
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
Can loan consulting fees be capitalized?
The loan consulting fee is not necessary for the loan and cannot be capitalized.
Relevant regulations:
According to the first paragraph of Article 6 of the Accounting Standards for Business EnterprisesNo. 17-Borrowing Costs (No.3 of Accounting [2006]), "special borrowing" refers to the money specially borrowed for purchasing, constructing or producing assets that meet capitalization conditions, and the borrowing costs in the first paragraph of Article 2 refer to the interest and other related expenses incurred by enterprises due to borrowing, and the provisions in the first paragraph of Article 2. Item 2 of "Accounting Standards for EnterprisesNo. 17-Guidelines for the Application of Borrowing Costs" stipulates that "special loans should have a clear special purpose, that is, the money borrowed specifically for the purchase, construction or production of an asset that meets the capitalization conditions should usually be marked with a special purpose loan contract".
Guidelines for the Application of Accounting Standards for EnterprisesNo. 1. 17- borrowing costs: according to the provisions of this standard, borrowing costs that meet the capitalization conditions shall be capitalized in the inventory purchased, constructed or produced by an enterprise by borrowing. Inventories eligible for capitalization of borrowing costs mainly include real estate development products developed by enterprises (real estate development) for external sales and large machinery and equipment manufactured by enterprises for external sales.
It is reasonable to charge a few points for the loan agency fee.
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.
Basic loan terms:
Loan target: China citizens aged 18 to 60 with full capacity for civil conduct.
Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.
Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB.
Application materials to be provided:
1. A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.
2, the guarantor's credit certification materials.
3. Collateral appraisal report issued by the appraisal department recognized by the society.
4. Other documents and materials stipulated by the Construction Bank.
5. Original and photocopy of the borrower's valid identity certificate.
6. Local permanent residence or valid residence identity certificate.
7. The borrower shall issue the income certificate issued by the employer, the borrower's tax bill and insurance policy.
8. The pledge right, the list of collateral and the ownership certificate required for the borrower to obtain the collateral and the mortgage amount. Written documents of the owner and the property that someone agrees to pledge or mortgage.
9. The borrower also needs to provide the payment voucher for the hydropower property where the company is located and the payment voucher for the hydropower property at the personal address.
How much is the agency fee for bank loans?
Intermediary fees are generally collected in two ways according to the transaction time node: one-time collection or segmented collection. In housing transactions, the agency fee is generally borne by the buyer and the seller, and of course it is also borne by the seller in full. There is no strict restriction on who will bear the agency fee, as long as all parties reach an agreement. The agency fee is as follows, taking the sale of real estate as an example:
1, real estate consultation fee: according to the service form, there are two kinds of consultation fees: oral consultation fee and written consultation fee. The specific standards are determined according to the professional level and workload.
2. Price appraisal fee: the real estate price appraisal fee, mainly based on real estate, is charged step by step according to the total real estate price.
3. Real estate brokerage fee: the fee charged by the house buying and selling agent is 0.5%-2.5% of the total transaction price. In the case of exclusive agency, the charging standard may be appropriately increased, but it shall not exceed 3% of the transaction price.