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.
Is the loan intermediary reliable?
As a practitioner in the loan industry, let me talk about my personal feelings.
In the industry of loan intermediary, loan intermediary is similar to real estate intermediary. They all hold the priority information of the industry and earn money for information recursion and resource allocation.
Generally speaking, real estate agents and loan agents are sales, but real estate agents sell houses, loan agents sell money and bank money. You can accept a real estate agent because it can really help you buy the house you want in a short time. Because you save time and energy, you are willing to pay part of the agency fee.
However, many people have different views on loan intermediaries. People subconsciously start to reject loan intermediaries, because people think they often deal with banks, so why do they ask people to help them with loans? In addition, many loan intermediaries are unwilling to tell the truth and have no good communication with customers, which leads to worse customer credit information and no loans, which leads to more and more people not recognizing this industry and even getting tired of the idea that loan intermediaries are liars.
I'm not trying to correct the name of this industry. There are too many fried dough sticks in this industry. I just want to write out my truest feelings for everyone to see, so that everyone can have an objective understanding of this industry, rather than blindly denying it. Let's compare real estate agents and loan agents. You usually don't have time to know so many properties. You often go to the bank to deposit money, and subconsciously feel that you are in direct contact with the bank and don't need a third person to dock. But you don't know that there are many banks in a place, and each bank has many loan products, and each loan product has different requirements for customers. Just like you want to buy a house with good ventilation, convenient transportation and beautiful scenery, but you don't know enough about the real estate in this city. What should you do? You will consider looking for a professional intermediary.
Is the loan intermediary company reliable?
1, because the bank's audit is strict, if you make a mistake in some details, you won't get the loan, and only the intermediary company will guarantee you. Furthermore, intermediary companies are familiar with the loan business of each bank and can provide you with more suitable loan business, otherwise you have to ask one bank after another. Finally, some loan business procedures are complicated, banks will not do it, and they will do it directly to intermediary companies.
2. Loan intermediaries will basically master various local loan channels and be familiar with the products and requirements of various lending institutions. Therefore, they will find a suitable channel to apply according to the actual situation of the borrower, so that the probability of passing the loan can be greatly improved.
3. Many loan customers know little about loan types, loan interest, loan requirements and so on. A survey of users of a platform shows that about 65% of users don't know what the current benchmark loan interest rate is. Before the loan, about 48% users knew nothing about their credit records, accounting for almost half of the country.
If you don't know the loan market, apply for a loan from a lending institution. If it doesn't match, the result is either rejected or the loan amount is very low. On the contrary, loan intermediaries have a more professional understanding of the loan market, so they can provide valuable advice to borrowers and find suitable loan products for borrowers.
4. Loans can't be applied immediately if you want to apply, especially bank loans, which have strict requirements for the borrower's review, including loan purposes, application filling, material preparation, etc. If the borrower does not understand the auditing standards and conditions of the lending institution, and honestly fills in the application and submits the materials, it may not pass. Loans also need to master certain skills. As far as the use of loans is concerned, ordinary banks have strict restrictions on the use of loans, and once they do not meet the requirements of banks, they will be refused loans.
5. If you are not familiar with the loan process and apply for it yourself, you will find all kinds of troubles, such as the inconsistent materials, which need to be submitted repeatedly, and it takes a lot of time and energy to run back and forth. If there is a loan intermediary, the situation may be greatly improved.
Of course, looking for a loan intermediary also needs to pay attention to these three points:
1, pay attention to find a reliable intermediary company, run more, and don't be afraid of trouble.
2. See if his formalities are complete and his documents are complete.
3. Don't be greedy for low agency fees and believe that they can apply for loans with lower interest rates.
Are loan intermediaries or loan companies reliable?
First of all, formal intermediary lending institutions do help many people to get loans successfully. Of course, the intermediate handling fee and service fee need to be borne by the borrower, and the specific amount needs to be determined according to the difficulty of the loan. The operation of informal intermediaries to assist borrowers in lending is not so clean. Don't believe the story that you pay first and then get a loan, and the loan will be successful in two hours.
Advantages and disadvantages of finding an intermediary with a loan
Looking for an intermediary loan-profit
1, save trouble
As we all know, bank loans involve many things, complicated procedures and long time. At this time, the role of the intermediary is to help you reduce things, save procedures and buy time. What you need to do is to send out your true and effective information, so as to avoid some troubles of loan.
2, save labor
The main job of intermediary loans is to help borrowers meet the loan demand. For borrowers, if they want to find suitable loan banks and products, they need to "shop around". Who makes the bank's policies and systems different? The interest rate, term and amount of the loan are all compared by the lender himself. Just find an intermediary loan. Intermediaries all know the loan standards and interest rate concessions of banks. These comparisons and "shopping around" are only handed over to the intermediary.
Step 3 get twice the result with half the effort
Intermediaries walk in the middle of banks. If you get along well with banks, you should appropriately relax the restrictions on your approval materials. Of course, there is absolutely no illegal operation, so you will improve your loan pass rate.
Looking for an intermediary loan-disadvantage
There is only one drawback that makes the borrower fall badly enough, and it is estimated that he will not be able to get up in a short time, that is, to find an informal or unidentified intermediary, and the tricky thing is also to make people want to cry.
In short, it is true that loans are easy, labor-saving and get twice the result with half the effort, but the illegal operation of pseudo-intermediaries is not fake, so lenders should pay attention to loans.
Do we have to find an intermediary? That's not true. There are many simple loans that you can apply for yourself. You only need to provide personal information. Lending institutions also have a complete application process. You should judge whether you need to find an intermediary according to your own demand type, demand amount and other factors.
There are many loan intermediaries in the market now. However, no intermediary agency has made a decision to guarantee that it can help borrowers apply for loans. If the real estate agent contacted by the borrower claims that it is "100% sure", it is basically untrue.
In addition, you'd better find a fully qualified, safe and formal loan intermediary company. Generally, you can find suitable channels, provide valuable suggestions according to the actual situation of borrowers, and find suitable loan products for you.
How much is the agency fee for bank loans legal?
There is no clear stipulation that agency fees are legal fees, as long as they do not exceed the standard, there will be legal support. Because there are some expenses in the process of loan, such as insurance premium, agency fee, handling fee, hospitality and so on. It is legal for a loan intermediary company to charge an intermediary fee, just like a housing intermediary, the intermediary fee for housing lease is legal.
Renting a house takes a lot of trips and time. Many people are exhausted and may not find a satisfactory house. Looking for an intermediary will help customers find it according to their needs. Usually, they only need to pay a monthly rent to the intermediary to have their own satisfactory house. Similarly, the agency fee of loan business also solves the problem for customers, saves time and cost, and avoids many risks.
Extended data
Borrower's requirements
1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)
2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.
3. The borrower's actual age and loan application period shall not exceed 70 years old.
Information to be provided by the borrower
1, ID card of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.
2. Two copies of marriage certificate/divorce certificate or judgment/single certificate.
3. Proof of income (format stipulated by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
What is a loan intermediary?
Loan intermediary refers to cooperation with banks. The main body of the loan is the bank, and the intermediary helps you find the most suitable product in the fastest time, and collects a certain handling fee from it.
The loan intermediary exists as a turning interface that transforms the unified interface of the bank into a variety of customers. It is more like a microchannel that flows into the borrower's market.
Loan intermediaries mainly provide loan guarantees for small and medium-sized enterprises, including enterprise liquidity loan guarantees and personal business loan guarantees. , and can also provide investment and financing guarantees, performance guarantees, etc. The enterprise needs to provide the information required by the guarantee company, and the guarantee company will evaluate its solvency.
1. Is the loan agency fee 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. Some borrowers consult loan procedures and processes in lending institutions, and customer service personnel require a 4% service fee. In fact, there are credit managers in the bank who specialize in loans, and there are also expenses for facilitating transactions, which are only included in the loan cost.
2. 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.
What is a loan intermediary?
Loan intermediary is also an important occupation, because many borrowers don't know much about products and loans, and need an intermediary to introduce and facilitate transactions, similar to real estate agents. Loan intermediary refers to cooperation with banks. The main body of the loan is the bank, and the intermediary helps you find the most suitable product in the fastest time, and collects a certain handling fee from it. A loan intermediary is an intermediary between a lender and a lender. The loan intermediary exists as a turning interface that transforms the unified interface of the bank into a variety of customers, more like a microchannel that flows into the borrower's market. Generally speaking, loan intermediaries serve some small and micro enterprise customers and individuals. These intermediaries will undertake the bank's loan services and be responsible for customer marketing, data collection and simple evaluation, which greatly saves the bank's work energy.
Then some people may ask, why do banks need an intermediary when they can lend directly? That's because bank loans are not approved by who lends them. Bank loans are generally targeted at large customers or large and medium-sized enterprises, personal consumption loans, mainly serving civil servants, institutions, employees of Fortune 500 enterprises, or individuals with relatively strong assets. If you are an ordinary office worker and do not have certain economic strength or objective assets, the chances of loan success are very small. At this time, you need a loan intermediary to help you complete this task. Generally, banks are reluctant to provide loans to individuals with ordinary qualifications or small and micro enterprises, so the existence of loan intermediaries is inevitable and irreplaceable.
Finding an intermediary loan has the following advantages:
1. You can choose more loan channels:
Intermediary nature deals with banks and financial institutions all the year round. Needless to say, I am familiar with the loan policies, application thresholds and interest rates of various lending institutions, so it is easier to get loans that meet my own conditions.
2. Improve the success rate and amount of loans:
Many lenders blindly apply for loans, or they will be refused loans, or the amount is lower than expected, but finding an intermediary is equivalent to one-stop service.
3. Improve loan efficiency:
Loan intermediaries are proficient in handling procedures. They can guide lenders to foster strengths and avoid weaknesses, tell them the information they need for loans, such as real estate and cars, and prove their repayment ability. This will help to improve the loan success rate and approval quota.
But loan intermediaries also have shortcomings:
1. Loan intermediaries are mixed, and there are many informal or unidentified shell companies.
2. Many loan companies charge fees for loan business, which leads borrowers to charge huge service fees without knowing it.
Therefore, I hope everyone will be cautious when lending. Although intermediaries save trouble and effort, the illegal operations of pseudo-intermediaries are also endless.