It is illegal for a lending company to charge a service fee of 20%, as follows: 1. There is no service charge for normal loans. If the other party asks for a service charge, it should be distinguished. When you don't know the content of the loan service fee, you can find a lawyer to help you safeguard your rights and interests; If you just borrow money directly from the bank, there will be no service charge. The loan agency fee is legal, as long as it does not exceed the standard. The following measures are suggested: 1. Collect relevant evidence, report the loan platform to the local CBRC or China Internet Finance Association, but ignore the requirements of the loan platform for compulsory repayment. After all, the loan platform is to route customers to collect "beheading interest", which is not compliant. However, any formal loan platform approved by the CBRC and holding a financial license will generally not charge any upfront fees before the loan arrives; 2. Unbind the bank card in time, or try to cancel the account of the loan platform and choose to give up the loan (customers with capital needs can find another regular licensed financial institution to re-apply for the loan). Legal basis: 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 agencies to provide small and medium-sized enterprises with services such as entrepreneurship counseling, enterprise diagnosis, information consultation, marketing, investment and financing, loan guarantee, property right transaction, technical support, talent introduction, talent training, foreign cooperation, exhibition and legal consultation.
2. Is it legal for the loan intermediary to charge 10%20% service fee?
It is illegal for loan intermediaries to charge 10% and 20%. If property buyers want to buy a house through intermediary loans, according to the relevant regulations, the intermediary company can only charge no more than three thousandths of the commission and cannot charge other fees.
3. Is it reasonable for mortgage loan agencies to charge 15% service fee? There will be more after the charge. ...
15 is high, but it depends on your credit report. The collection point is certain. Please consult me if necessary.