What are the basic information of loan consultation?
Generally, the basic information of the lender will be known in advance, including the following points:
1. Is it an individual or a business? Because the loan conditions of corporate loans and personal loans are very different, including mortgage loans and credit loans, in order to avoid confusion, people usually ask in advance, but if the lender initially asks about exclusive loan products. For example, provident fund loans are personal loans. Taxes, invoices, etc. All belong to corporate loans.
2. What are the types of loans? The category here refers to the broad categories of loans, such as mortgage loans or credit loans. After the initial consultation, if it is a personal loan, then the institution will generally ask according to the mortgage loan or credit loan.
There are two charging methods for loan intermediaries.
One of them is to charge a fixed loan fee according to different loan products, usually ranging from 1 000 yuan to 5000 yuan. For example, the guarantee fee for car loan is usually around 200 yuan, the vehicle registration fee is around 500 yuan, and the GPS installation fee is 200 yuan. If it is a mortgage, some lending institutions usually fix it at around 1 1,000 yuan, and some will charge an agency fee of around 1 0 in 500 yuan.
The other is calculated according to the percentage of the loan amount. Usually a fee of 3%-9% will be charged. (Some lending institutions are also called points; E.g., 3 points)
This shows that. Formal loans and loan intermediaries charge different fees. For personal and property safety, I suggest you go to a regular company for a loan. Need to remind everyone that if you apply for a loan in an intermediary, the intermediary should not force the borrower to accept the service when providing the service, but should clearly inform the charging items, charging subjects, charging contents and charging amount.