Does the car loan agent charge a handling fee?

There will be a certain handling fee. Intermediary helps you save time and cost and avoid many risks. Professional loan intermediaries are very clear about what information each institution needs to prepare and what conditions it needs to meet. After communicating with you, he will ask you to prepare what kind of information according to your situation, even the packaging that suits you. Please remember that proper packaging here is not fraud, but can generally avoid some misunderstandings, misunderstandings and loan rejection caused by lack of data. At the same time, you will be informed of many matters needing attention after application, which greatly improves the application efficiency.

: the legality of the handling fee charged by the loan intermediary

First of all, from a legal point of view, the loan agency fee is legal.

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, and the intermediary fees are legal fees. The law will support it as long as it does not exceed the standard. Because there will be some expenses in the process of loan, such as insurance premium, agency fee, certificate fee, hospitality and so on. It is legal for a loan intermediary company to charge agency fees. For example, we all admit that the agency fee for renting a house is legal, because renting a house takes a lot of roads, takes a lot of language and time, and finally meets a community with a vacant room. After seeing the house, you can't keep the room.

The room conditions do not meet our own requirements. Many people are exhausted and may not find a satisfactory house. Looking for an intermediary is different. We only need to contact a large area where we need to live, and then look for houses to rent in this area, including area, location, traffic conditions, surrounding environment, room layout, supporting facilities and so on. We can even put forward our requirements and let the intermediary help us find them. Generally speaking, renting a house is something that can be solved on the same day. All you have to do is follow the agent to see the house and communicate the rent with the landlord. Generally speaking, you only need to pay 50% of the monthly rent to the intermediary, and you can have your own satisfactory house.

The agency fee is worthwhile, because it saves our time cost, improves our efficiency, and keeps us from making mistakes and being separated. Therefore, it is worthwhile to charge, because it is based on legality and rationality first, and then on cost performance.