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1. Is the loan agency fee legal?
This is legal. Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises stipulates that the state encourages all kinds of social intermediary agencies to provide small and medium-sized enterprises with services such as entrepreneurship assistance, enterprise diagnosis, information consultation, market consultation, investment and financing, loan guarantee, property right transaction, technical support, talent introduction, talent training, foreign cooperation, exhibition and legal consultation. Therefore, as long as the loan intermediary does not engage in illegal loan fraud and the service fee does not exceed the standard, then the law is allowed.
Second, why do you want to find a loan intermediary?
Formal and reliable loan intermediaries can help borrowers a lot. The biggest advantage lies in strong connections and rich experience. It can help borrowers analyze their own strengths and weaknesses, recommend suitable products, and inform you of the latest information of various lending institutions, such as which bank has recently tightened lending, which loan products have stopped lending, and which loan interest is the lowest.
When we apply for a bank loan, often a little problem may lead to loan failure. A good intermediary can help you avoid these problems as much as possible.
In short, if you find a good loan intermediary, you can save a lot of things and avoid detours, so it is appropriate to pay a certain service fee, but you must remember to find a formal and legal institution, otherwise you will easily fall into the trap of a liar.
3. Can I get a mortgage on my house?
The house being mortgaged can be loaned, and the mortgage loan amount of the mortgaged house shall be subject to the appraised value of the house. The materials are basic identity certificate, household registration certificate, real estate certificate, income certificate, bank account, credit report, company information and some auxiliary assets certificates.
Fourth, housing mortgage loan conditions
Generally speaking: have a valid ID card and proof of marital status; Good credit record and willingness to repay; A steady income; Commercial housing sales contract or letter of intent for the purchased house; Have the ability to pay the down payment of the purchased house; Open a personal settlement account with a valid guarantee in the bank. After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.