Pay the agency fee and the loan service fee?
Ms. Liu is a little depressed recently. She bought a second-hand house, 6.5438+0.38 million yuan. On March 20 16, she signed a house sales contract with the seller and the intermediary company * *, and paid the seller a deposit of 10000 yuan on the spot.
After the agency company charged an agency fee of 1% of the total house price, it told her that she would have to charge an extra service fee because she wanted to help her with the loan. The loan service fee is charged at 1% of the loan amount, and the intermediary helped her calculate that it was 9760 yuan.
At this point, Ms. Liu is a little puzzled. Isn't the agency fee included in the service content? Why do you charge an extra loan service fee?
Regarding Ms. Liu's question, the intermediary explained that the money was for the bank. Because banks need to charge for second-hand housing loans to evaluate houses. That sounds reasonable, so Ms. Liu paid the money happily.
Later, the bank approved Ms. Liu's personal loan application, and the bank staff told her that "the bank does not charge any fees for mortgage". In other words, the bank does not charge a loan service fee of 9760 yuan at all.
Ms. Liu found the intermediary theory. This time, the intermediary changed its mind and admitted that the fee was actually charged by the intermediary, just to bear the loan risk for the customer.
Regarding the two different explanations, Ms. Liu believes that if it is clearly told from the beginning that it is collected by the intermediary, she has at least the right to consider and choose. Now I have paid a deposit to the landlord. If I don't pay the loan service fee, it will be considered as a breach of contract by the buyer, and the current state is passive. I feel cheated and paid a lot of money for no reason.
Is loan service fee a hidden rule of the industry?
If you buy a second-hand house and consult more than one intermediary company, I believe the answers are similar.
Many intermediary companies do charge a loan service fee, which has become an unspoken rule for intermediary companies to charge customers who buy second-hand houses with loans.
Then, after collecting the agency fee, why should we collect the loan service fee? The relevant person in charge of the intermediary explained:
The agency fee is the cost of providing customers with a series of services such as housing information, house viewing, negotiation and signing contracts;
The loan service fee is the fee incurred when handling the formalities for some customers with loan needs. When handling the second-hand housing mortgage, customers have to deal with the personnel of banks, lawyers and evaluation agencies, but if they are represented by intermediary companies, they will avoid running around by themselves. To put it bluntly, the loan service fee is "running errands".
Misleading consumers in the name of banks is a kind of commercial fraud.
For this charging project, many property buyers think it is right to spend money on services, but at least understand!
High housing prices have brought great pressure to people, and they have to bear various taxes and fees in the process of buying a house. Are these expenses reasonable?
At present, the charging standards and detailed rules for loan service fees are still blank. Consumers Association real estate professionals said that the lack of legal vacuum of loan service fees should be incorporated into the legal system as soon as possible.
In the specific implementation process, we should also publicize the rationality of this charging standard. After determining the specific charging standards, we also need to explain the specific charging standards to consumers when handling business.
Misleading consumers under the guise of banks belongs to commercial fraud, and consumers can take up legal weapons to maintain a healthy market order.
Is it reasonable for housing agencies to charge loan service fees?
The staff of the fund department of a city price bureau said: housing agencies can charge a certain loan service fee, which is regulated by the market and set by each agency. On this basis, property buyers can shop around and choose by themselves. However, the contract must be signed on the premise of mutual consent. When providing this service, the operator shall not force consumers to accept the service, but shall fulfill the obligation of informing in advance and make clear the subject, content and amount of charges.
Lawyers remind the majority of property buyers: when an intermediary company collects agency fees, if the promised fees include transaction, certification and mortgage services, it should not charge mortgage service fees.
When buying a second-hand house, the buyer must see clearly the service content stipulated in the contract signed with the intermediary before the transaction. If they want the intermediary fee to include services such as mortgage, they should write it clearly in the contract to avoid being fooled by the intermediary company under various excuses.
2. How to calculate the service charge of Gitzo loan?
Gitzo service fee is charged on a monthly basis, and the monthly customer service fee is: the monthly customer service rate of the remaining loan principal of the loan, which will be indicated in the loan application form. Customer service fee refers to the fee charged by Gitzo Consumer Finance for providing the following customer services for each loan. These services include: personal loan account management and maintenance, customer repayment channel maintenance, 24-hour customer hotline consultation service, changing repayment channel, personal information maintenance and management, handling prepayment application, loan notice, initiating bank withholding and providing repayment reminder. In addition, Gitzo Consumer Finance also provides free services such as reading documents, issuing contract payment certificates, following up wrong repayment, and handling overpayment. However, if the user requests to send the read documents or contract payment vouchers by express delivery, the express delivery fee shall be borne by the user. If the payment is excessive, the bank will charge the user the corresponding remittance fee.
3. How to calculate the service charge of Gitzo loan?
The service fee of Gitzo Loan is charged monthly.
If you apply for a loan in Gitzo, you need to pay a certain service fee every month. Simply put, Gitzo's monthly service fee is the remaining principal of the loan multiplied by the monthly customer service rate. As for the monthly customer service rate, it will be detailed in the loan application form. The reason for paying the service fee is that Gitzo Loan will provide users with the following services, such as personal loan account management and maintenance, 24-hour customer hotline consultation service, repayment channel change service, personal information maintenance and management, and prepayment service. Therefore, in the case of Gitzo loan, you need to pay the service fee every month.
Four, how to calculate the housing mortgage loan fee?
It depends on which bank you borrow from. General mortgage companies charge around 1500-2000! However, in the house of an intermediary company, "65438+ 0.2% of the loan amount" is generally charged.