There is no need to pay a handling fee for handling bank loans. The general handling fee is only through a third-party guarantee company such as a bank loan, and it needs to be paid like a third party. Bank loans only cost materials.
1, and the contracting fee needs to be taken by the borrower himself;
2. The expenses of mortgage notarization need to be borne by the borrower;
3. Post-loan notarization fee;
4. Assess costs, etc.
Different loan amount information, different fees.
Do I have to pay the loan?
There is no need to pay handling fees for bank loans, but other necessary fees need to be paid: ① insurance premium; (2) Notarial fees; (3) mortgage fees; (4) Warrant information fee; ⑤ Loan service fee; 6 registration fee; ⑦ Transaction evaluation fee; 8 transaction costs; Pet-name ruby transaction stamp duty, deed tax, business tax.
For online loans, there is generally no need to pay for applying for loans on a loan platform approved by the CBRC and holding a financial license. As long as the customer's credit is up to standard, he can borrow directly, and then repay the loan principal and interest at the agreed interest rate.
If the platform applying for lending has not been approved by the CBRC and does not hold a financial license, the customer is likely to meet the lender, and the other party will deliberately ask the customer to pay the money first in the name of deposit and unfreezing the money, and then directly "roll up the money and run away"; Or to charge "beheading interest". Although the money will be released later, the money paid before will not be refunded, and various unreasonable fees and high interest may be charged later.
It should be noted that all formal licensed consumer financial institutions generally do not charge any upfront fees before receiving loans. If the loan platform requires customers to pay before lending, they must be vigilant and cautious to prevent falling into a loan scam and causing money losses. It is best to give up the loan directly and find a qualified loan platform to refinance.
Formal loan companies always borrow first and then charge (for example, borrow 1000 to pay back 1 100). If it is irregular, the handling fee will be deducted from the total loan amount first (for example, if you borrow the handling fee of 1000, you will get 900, and you have to pay back 1000). There is no saying that users pay first and then lend. How many points do you need to charge unless you entrust someone else to handle the loan, but you will also charge after the loan is completed.
I hope my answer can help you.
Why do you charge a loan service fee for a loan?
The loan service fee is charged because there is a handling fee in the middle, which is the fee paid after entrusting this company to help you with the loan.
There are two reasons:
1. The company develops various channels through manpower, including intermediate labor costs and channel maintenance costs.
2. Every customer has a cost, and the customer itself is a cost.
Every company has its own cost, otherwise it can only lose money, just like real estate agents, there is a handling fee. They help you choose the best solution, instead of just looking outside, and you may find higher interest. And entrusted, they can't eat your interest, they will only consider giving you the best and lowest interest plan, and the one that suits you is the best. Only when you earn a reputation can you develop better.
How much is the loan service fee?
Loan service fee refers to the fee charged when handling loan business, which is generally charged by banks, and the charging standard depends on local conditions.
The loan service fee is generally charged by the bank, but it is also charged by a third party that helps the loan business.
Loan service fees and charging standards depend on local conditions.
You don't have to pay this fee to apply for a provident fund loan, but you only need to pay a guarantee fee (three thousandths of the loan amount, with a minimum of 300) and a house evaluation fee (three thousandths of the evaluation value, with a minimum of 300 and a maximum of 1500).
Is the loan service fee legal?
Legal analysis: According to the relevant laws and regulations of our country, it is legal to charge the loan service fee, as long as it does not exceed the relevant standards.
Legal basis:
Article 46 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 service institutions to provide small and medium-sized enterprises with services such as entrepreneurship training and counseling, intellectual property protection, management consulting, information consulting, credit services, marketing, project development, investment and financing, accounting and taxation, property rights trading, technical support, talent introduction, foreign cooperation, exhibitions and legal consultation.
Do I need to pay the loan service fee to the bank to apply for a loan to buy a house?
You don't need to pay the loan service fee to the bank to buy a house. As long as the loan applicant meets the bank loan conditions, he can apply.
Housing loan application conditions:
Natural person with age 18-65;
Hold a valid ID card;
Good credit information and no bad records;
Have a stable job and a stable income;
Sales contract or letter of intent for commercial housing with the purchased housing;
Have the ability to pay the down payment of the purchased house;
Open a personal settlement account in a bank with effective guarantee;
Other conditions stipulated by the bank.
Handling process of housing loan:
Choose real estate;
Confirm whether the real estate built by the developer has bank support to ensure the smooth acquisition of mortgage loans;
Apply for mortgage loan;
Sign a house purchase contract. After examining and confirming that the property buyers meet the mortgage loan conditions, they will issue a loan consent notice or a mortgage loan commitment letter;
Property buyers can sign a "pre-sale contract for commercial housing" with developers or their agents;
Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;
Handle mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;
Open a special repayment account;
After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time as the purchase price of the purchaser;
The borrower repays the loan regularly as stipulated in the contract.
Is the loan charge 10 reasonable?
Loan collection 10 is reasonable. According to the law, as long as it is within 24 minutes, it is legal, but the interest on different platforms is different. For normal online loans and private loans, 10 is normal.
1, this handling fee is called service fee, which is more reasonable and legal. Because others don't understand the loan procedures, it is normal and legal to charge service fees. Generally, there are few large loans, such as1100,0001~ 20,000,103 ~ 5,000.
2. The loan interest rate determines the interest required for future repayment. The People's Bank of China announces the benchmark interest rate of loans every year, and local banks will make adjustments according to their own conditions. However, institutional loan companies are not bound, so we must pay attention to interest rates when lending, otherwise it is likely to be involved in distress.
First, the loan process
1, loan application link: customers must explicitly apply to banks and other lending institutions and fill in the application materials;
2. Loan approval link: the lending institution also needs to approve the application materials submitted by the lender;
3. Sign a loan contract: After approval, they will sign a loan agreement, guarantee contract, etc. , depending on the actual situation;
4. Loan allocation: the lending institution allocates the loan according to the agreed amount;
5. Loan payment: The borrower must pay off the loan. Repayment includes timely repayment and early repayment, and the borrower can choose.
Second, matters needing attention in the loan
1, don't believe advertisements.
Remember, there is no free lunch in the world. Those loans with low threshold, no threshold and unconditional conditions are often hidden dangers, which may be routine. Be sure to choose a formal loan platform.
2. Check the qualification of the loan company
Because criminals generally solicit business in the name of "company", they have no financial qualifications in essence. Therefore, before making a loan, the borrower must check the information of the relevant company to see if it is formal.
Don't sign a loan contract at will.
Before signing the contract, you should read it carefully, be consistent with what you said, write as much as you borrow, and write as much as you are interested in. A person who promises verbally but refuses to write it into a contract will never sign it.
Please sign the paper carefully with a pen.
When signing a contract, borrowers should be alert to the overlord clauses such as cash discount, high penalty interest and interest rolling, so as to avoid snowballing development of loans and falling into the trap of "routine loans". Read the content carefully, fill it clearly or cross it out in the blank, and don't give the other party a chance to forge, tamper with or add it. Don't listen to the sweet words of the lender, don't sign, and don't write false materials.
Whenever you change money, you must keep the evidence.
Especially in cash transactions, remember to take photos, videos or operate in places with video surveillance, and you can find more irrelevant people to witness. Repayment of principal or payment of interest must be remitted to an account confirmed by both parties in writing, and cash payment should be accompanied by a receipt.
The loan 10000, the credit manager told me to charge a handling fee of 15. Is this reasonable?
There is no management fee/agency fee/handling fee for Ping An Bank's loan, and our loan does not charge any other handling fee except the interest generated by the loan itself. If you have any questions, you can click on the link below to select the online customer service icon in the upper right corner of the homepage or follow Ping An Bank WeChat official account (pingan_bank) for consultation.
Reply time: 202 1-09- 10. Please refer to the latest business changes announced by Ping An Bank in official website.
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