The intermediary collects the loan service fee, and the bank fails to lend money when the contract expires, and the intermediary is liable for breach of contract for related services. According to the service contract signed by both parties, the intermediary should pay liquidated damages. For reference.
Is it reasonable for the agency to sign a contract of 900,000 yuan and loan of 6,543,800 yuan+0,000 yuan?
Hello, loan intermediaries are organizations and individuals that provide you with loan services. They will choose the right loan channel according to your qualifications and charge a certain fee. But there are many ways to apply for a loan now. 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. Personal consumer credit products with money to spend are full of easy loans, with a maximum loan amount of 200,000 (click the official calculation) and a daily interest rate 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.
Looking for an intermediary loan of 3000 yuan, they charge a service fee of 1 000 yuan, which is not in the contract.
It's too dark. At that time, you have to pay back 3000 yuan, and this is, if you don't pay it back, call for it.
Is it legal for loan intermediaries to charge 20% agency fees for electronic contracts?
It is legal to charge 20% agency fee for electronic loan intermediary contract, and both parties can reach an agreement through consultation.
Private lending is a civil act, which is bound and protected by law.
First of all, we should verify the qualification of the other platform and rely on legal knowledge to avoid property losses. Conventional loans will interfere with the normal life of borrowers and their relatives through harassment, threats, intimidation and illegal detention. Advocating so-called legitimate rights and interests, putting pressure on borrowers and forcing borrowers to pay their debts. We should carefully distinguish the difference between conventional loans and private lending.
If you need to borrow money urgently, you should insist on applying to formal financial institutions or asking relatives and friends for help. Don't borrow money from small loan companies easily. Even if you borrow money from a small loan company, you should always be vigilant and find out the qualifications of the company.
Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 670 Interest on a loan shall not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan will be repaid according to the actual loan amount and the interest will be calculated.
Article 671 Where the lender fails to provide the loan on the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.
If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.
Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state.
If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest.
If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.
Article 683 A legal person organ shall not act as a guarantor, except for the use of loans from foreign governments or international economic organizations with the approval of the State Council.
A legal person not for profit or an unincorporated organization for public welfare may not act as a guarantor.
Article 687 General Guarantee refers to the guarantee that the guarantor shall bear the guarantee liability when the debtor fails to perform the debt, as stipulated by the parties in the guarantee contract.
Except for one of the following circumstances, the guarantor of general guarantee has the right to refuse to undertake the guarantee liability to the creditor before the main contract has been tried or arbitrated and the debtor's property has not been enforced according to law:
(1) The debtor's whereabouts are unknown and there is no property available for execution;
(2) The people's court accepted the bankruptcy case of the debtor;
(3) The creditor has evidence to prove that the debtor's property is insufficient to perform all debts or cannot perform debts;
(4) The Guarantor waives the rights stipulated in this clause in writing.
What should I do if the loan is unsuccessful after signing the agreement contract with the loan intermediary?
As you said, we can't deny the validity of this clause in general, and we need to consider the agreement in the whole contract.
If you have a relevant agreement in the loan or contract, which clearly stipulates the amount of the loan, then this clause violates the purpose of the contract, and you can claim that it is invalid.
It depends on the composition of financial service fees. Personally, it is similar to liquidated damages. If it is too high, it can be lowered.
Borrowed 65438+100000. Is the service fee 10 based on the bank's credit line or the contract amount?
I borrowed 65438+100000 yuan, and the service fee was10 cent of the contract amount. The loan of 65,438+100,000 yuan charges a service fee of 65,438+00 points, that is, 65,438+00% of the service fee of 65,438+100,000 yuan, which is a reasonable charging standard in the intermediary market and is considered as a moderate charging level, so this rate is more reasonable. The highest rate of intermediary service fee is 12%, and users who exceed this rate have the right to refuse.
So much for the introduction of the loan intermediary service fee contract.