They charge a handling fee of 1%-3%.
At present, there is no fixed ratio between loan agency fee and handling fee. The loan agency fee is generally calculated according to the loan amount, loan operation difficulty, personal credit record, loan purpose and borrower's cooperation.
So how is the loan agency fee calculated?
There are two charging methods for loan intermediaries.
One is to charge a fixed loan fee according to different loan products, generally ranging from 1000 to 5000; For example, for car loans, the general vehicle registration fee is about 500, the guarantee fee is about 200, the car evaluation fee is 300, and the GPS installation/disassembly fee is 200. Some mortgage lending institutions are also fixed at around 1 1,000 yuan, and some loan intermediaries charge 1, 500 yuan. The handling fee or service fee is generally based on the evaluation fee.
On the other hand, according to the percentage of the loan amount, a fee of 3% to 9% is generally charged (some lending institutions are also called points; E.g., 3 points)
Give a chestnut: Xiaoming borrows 50,000 yuan, and the agent tells him to charge 3 points, so how much is the handling fee? How much money can Xiaoming get?
Handling fee = loan amount x loan point%
Therefore, it is concluded that the handling fee that Xiao Ming needs to pay is = 50000 x3% = 1.500 yuan.
Then get 50000- 1500=48500.
The mortgage service fee for buying a house and a car generally ranges from 1000 yuan in terms of data collection, evaluation, mortgage handling, and signatures of buyers and sellers.
The appraisal fee of the appraisal company is 5% of the appraisal price, which is 5% according to the Notice of the Ministry of Construction of the State Planning Commission 1995 on the Charge of Real Estate Intermediary Services in China, but it is adjusted according to the local actual situation and the market price.
The finance department of a city price bureau also talked about the loan intermediary charging a certain loan service fee, which is regulated by the market and determined by the intermediary company itself. On this basis, borrowers can shop around and choose for themselves. But the contract should be signed on the premise of negotiation between the two parties. When an intermediary agency provides services, it shall not force the borrower to accept the services, and inform the charging items, and clarify the charging subject, charging content and charging amount.
What loan intermediaries are there in Beijing?
Hello, there are many ways to apply for a loan. You can apply for a loan from the bank by mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.
I recommend you to use the money flower, which is a credit service brand under Du Xiaoman Finance (formerly Baidu money flower, renamed as "money flower" in June 2065438+08). Big brands are reliable and trustworthy with low interest rates. The money is spent-full of easy loans, the maximum loan amount is 200,000 (click the official calculation), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Youhuahua, please borrow it reasonably according to your needs. Specific product-related information is subject to the actual page of Youhuahua official APP. I hope this answer is helpful to you. Click on the bottom of the phone to measure immediately! The maximum loanable amount is 200,000.
Is Beijing loan intermediary reliable? Can't I just go to the bank?
1, extremely fast loan, the fastest in the whole network, 30 seconds for approval, 1 minute for receipt, limit: 10000 Term: 7 Credit requirements: None.
Lending speed: 5 minutes, review method: machine review application strategy: sesame score above 550 points for real-name authentication, operator authentication, sesame credit and bank card.
2. Now, the amount of money is high and the amount of money is fast: 3000-50000.
Term: 3- 12 loan speed: 10 minute application guide: 1, age 22-50 years old 2. I have used my real-name mobile phone for more than 6 months and have a good credit record. Application materials for other regions except Qinghai and Inner Mongolia: mobile phone number, bank card and ID card.
3, Snow White, second trial, second payment limit 1000-5000 Term: 7-28 It is the best choice to find a loan company urgently, because the bank loan takes a long time, and you can't wait. But there are many loan companies in Beijing, and they are uneven, so how can we find a more reliable loan company?
First, check online word of mouth. Many friends will check online when choosing a lending institution to see if it is a formal institution, a formal website and authoritative information of Baidu Encyclopedia. What is the word-of-mouth in online search results? If there are many negatives, give up early. If there is more positive information, you can consider it.
Second, consulting and accepting regional formal lending institutions only handle local business, which is conducive to controlling credit risk, while informal institutions generally claim that they can handle national business, which is likely to be a means for them to cheat in different places, so pay more attention if they encounter it.
Third, is there a fixed business place?
Fourth, when looking for a loan company to apply for a loan, first go to a company that can refer to it and have a look at it on the spot. Formal institutions have fixed business premises. If you propose to go to the company, the other party will block it in various ways, and that is a liar.
Verb (abbreviation of verb) credit status of loan intermediary company Beijing loan intermediary company, to understand the credit status of loan company depends on operating years, industry experience, number of customers, business volume, business volume stability, overdue records and so on. Generally speaking, loan companies with long operating cycle, rich industry experience, stable business and large scale often have good reputation and are strongly sought after by customers.
The scale and assets of intransitive verb loan intermediaries Generally speaking, the internal mechanism and operating experience of large-scale loan intermediaries are relatively mature and their ability to resist risks is relatively strong. The capital status of the loan company directly determines the compensatory ability of the loan institution.
7. Therefore, when choosing a loan company, we must check whether the assets of the loan company are in good condition and whether the compensation ability of the loan company is sufficient. Only by choosing a large-scale loan company with good assets will your financial funds be safer.
Do you recommend a reliable Beijing loan intermediary?
The lending institution where Beijing Alibaba Cloud Finance is located is separated from CCTV by a street, and the reporter made an unannounced visit to us. So what? We didn't do anything, because we all did it legally and didn't give reporters a chance to hack us.
Is Beijing Yi Zhe Information Consulting Co., Ltd. a loan intermediary?
Beijing Yi Zhe Information Consulting Co., Ltd. is not a loan intermediary. According to relevant information inquiry, Beijing Information Consulting Co., Ltd. was established on May 9, 20 1, with its registered place at Room 905, 8th floor, Building 7, No.67 Chaoyang Road, Chaoyang District, Beijing1,and its legal representative is Xing. Business scope includes economic and trade consultation. Technology promotion, technical consultation and technical service are not loan intermediaries.
Why do you want to find a loan intermediary in Beijing? Is it a bank product?
1. Bank loan procedures are complicated. Formal Beijing loan intermediaries can handle professional bank loans for you, which is relatively simple and convenient.
2. Individuals don't want to borrow money from banks. In order to control risks, banks will review personal credit records, income and other factors. If there is no loan consultant, no one will tell them if there is a shortage.
3. Bank loans are slow. Check whether the loan conditions are met and submit various materials, because the information is incomplete, which is very common. Also, the loan intermediary can inform the conditions and information for handling the loan.
4. Formal lending institutions cooperate with banks to handle formal loan products of banks.