No, the online loan service fee is not interest, but should be an extra fee charged by the loan platform in other names, and the loan interest will be charged separately.
Does the service charge of the loan count as interest?
You certainly didn't borrow money from a regular bank. Regular banks only have interest and no service fee. Service fee is illegal income collected by private or informal channel loan companies in the name of Qiao Li. So if you want a loan, you must go to the bank for a loan. If you can't get a loan from Guo Jia Bank, you can consult Alipay, Bai Hua and Baidu Wallet.
Does the online loan service charge count as interest?
It depends. If the online lending platform is a lending institution, then the service fee is part of the interest. If the online lending platform is only an intermediary, then the service fee charged by the online lending platform should be an intermediary fee, so it is not interest, and the interest is directly charged by the lender. Article 679 of the Civil Law states that a loan contract between natural persons is established when the lender provides a loan.
Is Bai Xiaorong's loan service fee interest?
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If the online lending platform is a lending institution, then the service fee is part of the interest; If the online lending platform is only an intermediary, then the service fee charged by the online lending platform should be an intermediary fee, not interest.
Baixiaorong was founded on 20 18, located in Dongguan City, Guangdong Province, and is an enterprise focusing on monetary and financial services.
Why do you charge a loan service fee for a loan?
There may be a service charge for borrowing money, because the lending platform provides users with corresponding services, so a certain fee will be charged. According to the regulatory requirements, the loan service fee is included in the comprehensive real interest rate of the loan and cannot exceed the legal interest rate red line. Moreover, the service fee for borrowing money is collected through repayment after the loan is successful, and it cannot be collected before the loan comes down.
For example, a loan platform charges a service fee before lending, which actually charges beheading interest, which does not meet the regulatory requirements.
Extended data:
Legal provisions on the interests of beheading
The loan amount specified in the debt certificates such as IOUs, receipts and IOUs is generally recognized as the principal. If interest is deducted from the principal in advance, the actual amount lent shall be the principal.
Does the extra service charge for car loan count as loan interest?
It depends on whether you choose additional services. Because the loan to buy a car is only an additional service provided by the seller to facilitate the transaction, the loan itself will generate certain interest, so there is no need to pay additional service fees for the loan to buy a car. The bank. Generally speaking, car shops can directly act as guarantors to provide loan guarantees to banks for buyers without charging any service fees. But some private car shops are not qualified for guarantee. These car shops must find a third party as a guarantor, and the service fee is generated.
Vehicle loan conditions:
1. The lender shall be at least eighteen years old and have full capacity for civil conduct.
2. Lenders need stable jobs and economic income.
3. During the loan application period, the car buyer shall deposit no less than the down payment stipulated by the bank in the account handled by the bank savings counter.
4. Guarantee that needs the approval of the lending institution. If the lender's account is not local, it shall provide joint and several liability guarantee.
5. The lender may accept other conditions stipulated by the lending institution.