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.
Charge standard of loan intermediary service fee
There is no clear legal provision 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". Charge for agency loan service, with the maximum not exceeding 300 yuan.
The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates macroeconomics. Objectively, a universally recognized benchmark interest rate level is needed as a reference. Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism. Simply put, you usually deposit money in the bank and he gives you interest. The greater the benchmark interest rate, the more interest; The smaller the benchmark interest rate, the smaller the interest.
The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links. The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk. Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place. Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.
Charge standard of loan intermediary
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.
How to charge the loan, the introduction of the lending institution ends here. I wonder if you have found the information you need?