That is, 30,000 yuan to pay the agency fee is not clearly defined. Generally speaking, the normal agency fee is between 3- 10. The handling fee of the loan intermediary is determined according to the customer's city and personal qualifications. For example, in first-tier cities, the score is generally above 10, because customers only need to cooperate to provide information, and other things are handled by intermediaries, so the handling fee will be more expensive. Some intermediaries will also reduce the price by a few points to attract customers, so they are basically between 3- 10.

Your fifteen points are very high.

If you borrow money, it is better to find a bank or a formal platform loan. ：

According to the operating attributes of loans: self-operated loans, entrusted loans and specific loans. According to the service life of loans: short-term loans, medium-and long-term loans. According to the economic nature of the loan subject: loans of state-owned and state-holding enterprises, collective enterprises, private enterprises and individual industrial and commercial households are divided into credit loans, secured loans and bill discount according to the credit degree of loans. According to the occupation form of loans in social reproduction, they are divided into working capital loans and fixed capital loans. According to the quality of loan use: normal loans and non-performing loans. According to international practice (risk degree), the loan quality is divided into five grades: normal, concerned, secondary, suspicious and loss. The latter three types of loans are called "non-performing loans" or "problem loans".

II. 65438+ In the General Rules for Loans promulgated by the People's Bank of China1June 1996, loans are classified as follows:

(1) Self-operated loans, entrusted loans and specific loans. Self-operated loan refers to a loan independently issued by the funds raised by the lender in a legal way, with the risks borne by the lender and the principal and interest recovered by the lender. Entrusted loans refer to funds provided by customers such as government departments, enterprises, institutions and individuals. Loans issued, supervised and recovered by the lender (i.e. the trustee) according to the loan object, purpose, amount, term and interest rate determined by the client. The lender (trustee) only charges the handling fee and does not bear the loan risk. Specific loans refer to loans issued by state-owned commercial banks with the approval of the State Council and after taking corresponding remedial measures for the possible losses caused by loans.

(2) Short-term loans, medium-term loans and long-term loans. Short-term loans refer to loans with a loan term of less than one year (including one year). Medium-term loans refer to loans with a loan term of more than one year (excluding one year) to less than five years (including five years). Long-term loans refer to loans with a loan term of more than five years (excluding five years).

(3) Credit loans, secured loans and discounted bills. Credit loan refers to the loan issued according to the borrower's credit status. Secured loans refer to secured loans, mortgage loans and pledged loans. A secured loan refers to a loan issued by a third party in the form of guarantee as stipulated in the Guarantee Law of People's Republic of China (PRC), which promises the borrower to assume general guarantee liability or joint liability as agreed. Refers to the loan issued with the property of the borrower or a third party as collateral according to the mortgage method stipulated in the Guarantee Law of People's Republic of China (PRC). Pledged loan refers to the loan issued with the movable property or rights of the borrower or the third party as collateral according to the pledge method stipulated in the Guarantee Law of People's Republic of China (PRC). Bill discount refers to the loan issued by the lender by purchasing the unexpired commercial paper of the borrower.