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.
Commercial banks should charge their clients agency fees in accordance with the principle of fairness and reasonableness.
Commercial banks should charge agency fees to customers according to the principle of "whoever entrusts pays".
1. A commercial bank shall collect agency fees from its clients in accordance with the principle of "whoever entrusts pays". Commercial banks sign entrusted loan contracts with clients and borrowers for entrusted loans and do not bear credit risks. The source of entrusted funds is the funds that the client has the right to control independently, and it is provided to the commercial bank in time according to the contract.
2.2065438+200810.5, China Banking Regulatory Commission issued the Notice of China Banking Regulatory Commission on Printing and Distributing the Measures for the Administration of Entrusted Loans of Commercial Banks (No.2 [2065438+08]) (hereinafter referred to as the Measures), and the Measures were promulgated.
3. According to the Measures, the entrusted loans mentioned in these Measures refer to loans provided by clients and issued, supervised and recovered by commercial banks (trustee institutions) according to the borrower, purpose, amount, currency, term and interest rate determined by clients, excluding entrusted loans under cash management and entrusted loans under housing accumulation fund. At the same time, it is clear that the entrusted loan business is the entrusted agency business of commercial banks. Commercial banks should charge agency fees to customers according to the principle of "whoever entrusts pays". Commercial banks sign entrusted loan contracts with clients and borrowers for entrusted loans and do not bear credit risks. The source of entrusted funds is the funds that the client has the right to control independently, and it is provided to the commercial bank in time according to the contract.
4. Focus on:
(1). The fund provider is the customer's own funds, which need to be handed over to the bank account, not the bank's funds.
(2) The three parties signed the entrusted loan contract, but the bank only acted as an agent to issue and assist in supervision, not as a lender.
(3) The commercial bank collects agency fees from the client on behalf of the borrower.
How much is the agency fee for bank loans legal?
General charges range from 3% to 9%.
The loan agency fee generally ranges from 3% to 9%. Generally speaking, when applying for loans from banks and online lending platforms, people rarely encounter loan agency fees and handling fees. If you find an intermediary to help you with the loan, you may have to pay the intermediary fee and handling fee.
Matters needing attention in the process of second-hand housing transaction
1, it's best for the three parties to meet and trade transparently.
Buying and selling houses is very complicated, so we should communicate with each other before the transaction. When trading, it is best for both the buyer and the seller and the intermediary company to meet, so as to make the transaction transparent and avoid being cheated.
2, don't meet also depends on the agency contract.
If you can't meet, you should also ask the intermediary company to issue an entrustment contract between the buyer and the seller. Entrustment contracts generally specify the price and the scope of rights of the agent, which is conducive to ensuring the interests of both buyers and sellers.
In addition, the intermediary company should be required to produce a series of certificates and clearly indicate the detailed personal information of both parties in the contract. If some clauses in the contract are found to be inconsistent, the buyer and the seller should consult all the questions before signing.
3, check the relevant documents, identify the real house.
For the seller, if the intermediary company makes a cash purchase, it must go through the corresponding transfer procedures to prevent the intermediary company from selling the house to earn the difference before going through the formalities.
As for buyers, we should be wary of fake houses, some of which are just owners, but not real owners. If the deposit is paid before checking the relevant documents and distinguishing the true and false landlord, the intermediary company falsely claims that the house has been sold, and the deposit will be difficult to return.
Charge standard of loan intermediary
The state has no clear law on agency fees, but Shanghai Administration for Industry and Commerce, Price Bureau and Real Estate Bureau have corresponding documents. Agency fee: general cash 1%, loan 2%. Loan service fee: 65438+ 0% of the turnover. Guarantee fee: Individual intermediary companies charge an additional 0.5% transaction guarantee service fee, commonly known as "guarantee fee". The loan service fee shall not exceed that of 300 yuan.
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 various service organizations to provide small and medium-sized enterprises with entrepreneurship training and counseling, intellectual property protection, management consulting, information consulting, credit services, marketing, project development, investment and financing, accounting and taxation, property rights transactions, technical support, talent introduction, foreign cooperation, exhibitions, legal consulting and other services.
How much should the agency fee and service fee for bank loans be charged? This concludes our introduction. I wonder if you found the information you need from it?