Extended data:
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
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.
Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.
The types of loans are characterized by efficiency, safety and liquidity, and refer to the specific organizational forms of loans. Loan type is a specific classification of loans according to certain standards.
Intermediary fee is a kind of fee, which refers to the reasonable fee charged by the agency that provides intermediary services such as buying house, renting house and making friends for customers in the process of providing services. Agency fees are generally collected by third parties, which are generally one-off. Pay attention to asking for the invoice. There is no written provision for the collection of housing agency fees.
Intermediary fees are generally collected by third parties such as intermediary companies. Unless they are not real landlords, they should not be paid to landlords, but we should also pay attention to being hacked. Agency fees are generally charged in one lump sum. Please pay attention to asking for invoices. There is no written provision for the collection of housing agency fees.
General agency fees do not include third-party fees, which refer to the fees to be paid to third parties. For example, the visa fee is paid to the embassy and the application fee is paid to the school.