Intermediary loans generally charge about 0.5 to 3 cents, which depends on the intermediary company the customer is looking for, because the points of each intermediary company are different. Like the larger intermediary companies, the points they set are calculated according to the total transaction price of the house.
Under normal circumstances, the transaction price of a house below 1 10,000 will be charged by 3 points, and the transaction price above 5 million will be charged by 0.5 points. In other words, the higher the transaction price of the house, the lower the points collected by the intermediary company, and the higher the transaction price, but basically it will not exceed 3 points. Loan intermediary refers to cooperation with banks. The main body of the loan is the bank, and the intermediary helps you find the most suitable product in the fastest time and charges a certain fee.
The loan intermediary exists as a turning interface that transforms the unified interface of the bank into a variety of customers, more like a microchannel that flows into the borrower's market.
Loan intermediaries mainly provide loan guarantees for small and medium-sized enterprises, including enterprise liquidity loan guarantees and personal business loan guarantees. , and can also provide investment and financing guarantees, performance guarantees, etc. The enterprise needs to provide the information required by the guarantee company, and the guarantee company will evaluate its solvency.
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Development trend and characteristics of loans;
1. The loan search platform is developing towards diversified financial services. Diversification, collectivization, relying on the long-standing vertical search mode of the loan industry, transformation and upgrading, credit card diversion, cash loan diversion, and even wealth management.
2. The mode of completely abandoning orders is developing towards the socialization of brokers. Completely abandoning orders, the platform profit model is single, and when the transaction volume is insufficient, it is not enough to make ends meet. Some platforms claim to have more than one million brokers, ranging from hundreds of thousands to hundreds of thousands, and the number of active users is unknown; Such platforms will focus on brokers and provide them with comprehensive services such as tools and social services.
Is it legal for loan intermediaries to charge fees?
This is legal, but unreasonable. Loan agency fee 15%. I think the cost is too high. However, the loan agency fee is legal, not illegal. If you agree to pay the fee, let him apply for a loan; Refuse to pay the fee if you don't agree, and don't lend it.
The expenses that the Lender shall bear when handling the loan are as follows:
1. Handling fee
At present, some banks will attract customers' attention through interest-free loans, but in fact they charge interest through handling fees;
2. Interest expense
The amount of interest depends on the bank chosen by the lender or the personal loan conditions of the lender. Different banks charge different loan fees. If the lender has good conditions, the loan interest charged is low;
3. liquidated damages
If an individual fails to repay the loan on time when signing a loan contract with a bank, the bank has the right to collect liquidated damages according to the amount agreed upon when signing the contract.
How much is the loan agency fee?
At present, there is no fixed charge ratio for bill items and handling fees of loan intermediaries. The charging rules of each intermediary are different. The handling fee of credit intermediary is generally calculated according to the loan amount, the difficulty of loan operation, personal credit record and the cooperation of the borrower. There are two charging methods for loan intermediaries:
1. Fixed loan fees are charged according to different loan products, generally between 1000-5000; For example, for car loans, the general vehicle registration fee is about 500, the guarantee fee is about 200, the vehicle evaluation fee is 300, and the GPS installation/disassembly fee is 200. Some mortgage institutions are also set at around 1000. Some loan intermediaries charge 1500 yuan. Fees or service charges are usually based on assessment fees.
2. According to the percentage of the loan amount, a fee of 3% to 9% is usually charged.
1) Intermediary fee refers to the reasonable fee charged by an intermediary agency with intermediary service qualification in the process of providing services and in the process of purchasing and leasing according to the transaction time node. In housing transactions, intermediary costs are generally borne by buyers and sellers. Of course, they are also entirely borne by the seller. As long as the parties reach an agreement, there is no strict restriction on who will bear the expenses of the middleman.
2) It is recommended to apply for loans through formal channels, such as Agricultural Bank of China. Agile online loan is defined as a small consumer loan issued by Agricultural Bank of China in cash to individual customers of Agricultural Bank of China who meet the following application conditions: basic conditions: 18 years old, under 60 years old. Have People's Republic of China (PRC) nationality and full capacity for civil conduct. Hold legal and valid identity documents. Our bank is a customer of e-banking and has the security authentication tools issued by our bank. (Currently, only second-generation customers of KBao are supported) The credit status is good, and there is no outstanding balance of "Wang Jie Loan" and "Wang Jie Loan". Stable income and the ability to repay loans on time. The purpose of the loan is reasonable.
3) Loan type: personal credit loan. Personal credit is a fashionable loan method, so what conditions do you need to apply for this kind of loan? Generally speaking, banks require borrowers to have second-generation ID cards, stable work permits, income certificates and loan termination certificates; Personal credit status is good; There are certain restrictions on the income of borrowers. The average monthly income of borrowers is generally not less than 4000 yuan.
Is the loan intermediary charge legal?
First of all, from a legal point of view, the loan agency fee is legal.
According to Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises, the state encourages all kinds of social intermediary agencies to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises. Intermediary fees are legal fees, as long as they do not exceed the standard, there is legal support.
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.
A professional loan intermediary knows very well what information institutions need to prepare and what conditions they need to meet. When he communicates with you, he will ask you to prepare any information according to your situation, and even give you appropriate packaging.
Remember, the proper packaging mentioned here is not fake. Generally speaking, it can help you avoid some misunderstandings and loan rejections caused by lack of information. At the same time, you will be informed of many matters needing attention after application, which greatly improves the efficiency of application.
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Matters needing attention in handling loans:
1, loan purpose
You can apply for a loan to buy a house, you can apply for a loan to buy a large amount of durable consumer goods, you can apply for a loan to study abroad, but if it is used to buy contraband or engage in equity investment, you cannot apply for a loan.
2. Loan interest rate
The loan interest rate of different banks is different, so you need to know which bank's loan interest rate is more suitable for you before you apply for a loan. If you don't choose a good loan interest rate, it may bring great pressure to your later repayment.
3. Loan costs
Many people tend to overlook the problem that there will be corresponding fees for handling loans. Generally speaking, these fees include notarization fees, contract fees, evaluation fees, insurance fees, mortgage registration fees and so on. Different banks will have different standards for the collection of these fees, and some banks will waive part or all of them.
4. Repayment method
The choice of repayment method must be cautious. Choosing the right repayment method can save a lot of interest in the later period, so you must choose the repayment method that suits you. Generally speaking, the common repayment methods are average capital repayment method and equal principal and interest repayment method, which are quite different.
5. Loan service
When handling loans, we should pay attention to whether the bank's loan service is thoughtful. The service level of different banks is different. When choosing, try to choose a bank with good service attitude and simple procedures.