When handling loan business, the fee charged is called loan service fee. Generally, it is a bank collection, and there are also third-party collections that help 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).
loan rate
The proportion of interest in the total loan funds within a certain period is the manifestation of the loan price. Namely: interest rate = interest amount/loan principal.
Interest rates are divided into daily interest rates, monthly interest rates and annual interest rates.
The lender determines the loan interest rate with the lending bank according to the benchmark interest rate and interest rate floating space announced by relevant laws and regulations of various countries.
benchmark interest rate
The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can benefit from this benchmark.
The level to be determined. 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 income and management's macroeconomic regulation and control. Objectively, it is required to have a recognized benchmark interest rate.
For 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 the money in the bank and he will give you interest. The greater the benchmark interest rate, the more interest; The smaller the benchmark interest rate, the smaller the interest.
How to get the lowest bank loan interest rate
First, choose the bank with the lowest interest rate to apply for a loan.
Although the central bank has introduced the benchmark interest rate, the interest rates of all banks will rise above the benchmark interest rate, and the specific floating situation is different from bank to bank. Therefore, in order to get the lowest bank loan interest rate, we must "shop around" and then choose the bank with the lowest interest rate.
Second, pay attention to personal credit reporting and maintain good credit reporting.
Bank loan interest rates are all calculated by computers based on personal credit information, income, work and other information. In other cases, you can only keep your credit information and try to repay your credit card on time to avoid overdue.
Loan principle
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
How much is the loan service fee?
What does the loan platform service fee mean?
The service fee of the loan platform is actually that when customers apply for online loans, the platform will charge customers a certain fee for providing loan services.
At present, there is no clear limit on the service fee of this loan platform. It is also a market behavior for online loans to collect platform service fees. As long as the platform charges are reasonable and the comprehensive real annual interest rate of the loan does not exceed 36%, there is no problem.
Of course, everyone should be vigilant. Some online lending platforms say that they charge service fees, but in fact they charge "beheading interest", that is, they directly deduct some money from the principal when lending money. For example, if someone applies for a loan of 3,000 yuan, only 2,500 yuan will be paid back, and the less 500 yuan will be beheaded.
It is forbidden to behead and calculate interest, and the loan interest shall not be deducted from the principal in advance. If it is deducted from the principal in advance, the platform should return it according to the actual loan amount, and then recalculate the interest.
Besides, everyone should be careful. Some platforms may charge some extra high margin, late fees, etc. If the loan is charged at a high price, the customer can collect evidence and report it to the platform.
What does the intermediary's loan service fee mean?
The intermediary's loan service fee is their "running errands".
Generally speaking, when we buy a second-hand house, the real estate agent will charge a loan service fee in addition to the agency fee. This fee is the cost of dealing with banks and evaluation agencies in order to help customers handle housing loans smoothly. After all, there are many procedures for handling housing loans. If the customer handles it himself, it is not only time-consuming and laborious, but also some procedures may not be completed at one time.
Moreover, housing agencies often handle such business, and they will be familiar with various processes inside, which will be much more convenient than customers. Housing agencies provide services, of course, to charge a certain amount of remuneration, that is, loan service fees.
legal ground
Article 963 of the Civil Code of People's Republic of China (PRC) * * * If the broker facilitates the establishment of the contract, the client shall pay the remuneration as agreed. If the remuneration of the broker is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, it shall be reasonably determined according to the services of the broker. Where an intermediary provides media services for concluding a contract, the remuneration of the intermediary shall be borne equally by both parties to the contract. If the intermediary facilitates the establishment of the contract, the expenses of the intermediary activities shall be borne by the intermediary.
What does the service charge for the loan mean?
Hello, darling
1. 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).
Second, is it illegal to charge service fees for loans?
If it is simply a direct bank loan, there is no service charge; But from a legal point of view, the loan agency fee is legal.
The agency fee is a legal fee, and the law supports it as long as it does not exceed the standard. The company's income, that is, the cost of your loan, is mainly reflected in the interest rate level, and the service fee can be ignored.
Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises: The state encourages all kinds of social intermediary institutions to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises. The agency fee is a legal fee, and the law supports it as long as it does not exceed the standard.
3. Do I have to pay the loan service fee after paying the agency fee?
The agency fee is the cost of providing customers with a series of services such as housing information, house viewing, negotiation and signing contracts;
The loan service fee is the fee incurred when handling the formalities for some customers with loan needs. When handling the second-hand housing mortgage, customers have to deal with the personnel of banks, lawyers and evaluation agencies, but if they are represented by intermediary companies, they will avoid running around by themselves. To put it bluntly, the loan service fee is "running errands".
At present, the charging standards and detailed rules for loan service fees are still blank. Consumers Association real estate professionals said that the lack of legal vacuum of loan service fees should be incorporated into the legal system as soon as possible.
In the specific implementation process, we should also publicize the rationality of this charging standard. After determining the specific charging standards, we also need to explain the specific charging standards to consumers when handling business.
Is there a service charge for the loan?
There is a service charge for bank loans. 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 fees charged by intermediaries are definitely higher, but each intermediary is different. 1500 should be the loan guarantee fee he gave you, and the evaluation fee should be paid to the evaluation company that cooperates with him and collected with them. You can ask the intermediary for details.
The loan service fee is generally charged by the bank, but it is also charged by a third party that helps the loan business.
When handling loan business, the fee charged is called loan service fee. Generally, it is a bank collection, and there are also third-party collections that help the loan business.
Extended data:
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of bill discount, credit account and overdraft account.