Now people's demand for loans is also growing. It is also legal for the intermediary to charge the loan service fee, but it is also a loan service fee with strict charging standards. The charging standard is generally determined by local conditions. There is no need to pay this fee for handling provident fund loans. If it is a commercial loan or housing appraisal, a certain fee is required as a service fee. This is also a very normal thing. I hope you can understand.
In fact, as far as banks are concerned, we all know that it is a service industry with financial attributes, so everyone should be psychologically prepared when handling loans. As far as loan processing is concerned, I suggest that you can apply for a loan in a regular bank, because we all know that the loan amount in a regular bank is high and the interest is low, which is also very beneficial to our lives.
At the same time, before making a loan, you must first check your personal credit information, because we all know that it is difficult to get a loan if your credit information is not good. Before handling the loan, you can also go to several banks to inquire about the charging standard of the loan service fee. Shopping around can better guarantee your legitimate rights and interests. We also have the right to refuse improper demands made by bank employees. I hope everyone will actively understand the corresponding rules.
Before handling the loan, we must ensure the authenticity of the materials we provide to the bank. It is best to provide my address and contact information accurately. At the same time, if there is a need for change, we must inform the bank staff in time, so that our loan approval will not be affected. At the same time, after the loan is completed, you must read the contract carefully and understand your rights and obligations to avoid economic losses. At the same time, you must repay on time to avoid bad credit records.
Is it legal for a loan intermediary company to collect agency fees?
It is legal and reasonable for loan intermediaries to charge agency fees. It is legal to charge you the agency fee in the case you encounter, but different companies charge different shares, so is your 18% consulting fee.
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 institutions to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises.
The agency fee is a legal fee, and the law supports it as long as it does not exceed the standard. Because there are some expenses in the loan process, such as insurance premium, agency fee, license fee, entertainment fee, etc. It is legal for a loan intermediary company to charge agency fees.
Extended data:
Loan intermediaries can improve loan efficiency.
If the borrower is not familiar with the loan process and applies for it himself, you will find all kinds of troubles. For example, if the materials do not meet the requirements, it will take a lot of time and energy to go back and forth. Also, if you are not a big customer, banks and other lending institutions may delay your loan and keep you waiting. These troubles can only be felt by those who have applied in person.
If there is a loan intermediary, the situation may be greatly improved. First of all, the loan intermediary knows the materials needed for the loan and the handling process, so the borrower will prepare and submit the materials at one time to avoid running back and forth to supplement the materials; Thirdly, the relationship between loan intermediaries and banks and other lending institutions is relatively in place, which can urge banks and other lending institutions to give priority to your loans, greatly improving the efficiency of loans.
In short, loan intermediaries exist and are accepted by the market because they can bring tangible value and help to borrowers. Therefore, spending money on services and leaving professional affairs to professional people can make borrowers worry, save time, save trouble and even save money.