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. There is no fixed ratio between loan agency fee and handling fee.
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.
At present, there is no fixed proportion between loan agency fee and handling fee, which is often calculated according to the borrower's amount, purpose, term and credit. At present, many intermediaries charge a fixed amount of fees in addition to proportional fees.
1. 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 information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises. But this must find a legal loan intermediary before it can be implemented according to law.
2. The Notice of the Ministry of Construction of the State Planning Commission 1995 on China's real estate intermediary service fees stipulates that the proportion of China's real estate intermediary service fees is 5%, which can be adjusted according to the actual market price.
3. China's "People's Republic of China (PRC) Contract Law" stipulates in Article 23 that an intermediary contract is a contract in which the intermediary reports the opportunity to conclude a contract to the client or provides intermediary services for the client to conclude a contract, and the client pays remuneration. If the broker facilitates the establishment of the contract, the principal shall pay the remuneration as agreed. Accommodation fee (also called "commission") refers to the remuneration collected by brokers for completing the loan application contract signed by customers and lending institutions. When the contract is established, the client shall also pay the corresponding remuneration in the contract.