Legal analysis: it is not illegal to charge fees for helping others to make online loans. There is no fixed ratio between loan intermediary fee and handling fee, and the intermediary online loan fee is too high and unreasonable; If the intermediary charges such a high fee during the online loan period, the intermediary's loan service fee is set by the intermediary itself, and there is no uniform standard in the country.
Legal basis: "Guiding Opinions on Promoting the Healthy Development of Internet Finance" Article 3 Peer-to-peer lending information intermediaries provide information services for both borrowers and lenders in accordance with the principles of legality, honesty, voluntariness and fairness;
Safeguard the legitimate rights and interests of both borrowers and lenders, do not provide credit enhancement services, do not raise funds directly or indirectly, do not raise funds illegally, and do not harm the public interests of the state and society.
Second, how to borrow money from others online? Is it credible?
First, let's make sure. You didn't know when someone applied for a loan with your ID card, that is, you used it fraudulently, so you can do it directly. It's easy to check. The handprint on the contract must be different. If you know, go ahead and pay for a lesson. Get a good lawyer to help you if you want. Paying for a lawyer is much better than asking blindly online.
Third, how to lend money to others online.
Legally speaking, it's time for your father or guarantor to repay the loan. If it is a credit union, then your father and the guarantor will execute whoever has the ability to execute. As for giving it to others, legally speaking, it is your father who transfers the loan. This is called IOU in name only, and the credit union can even charge a penalty of 200% of the original interest rate according to the contract. As for the credit unions, they also know this, because you have no evidence to prove that their account managers are irresponsible.
Remember not to help people with loans.