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Second, should the loan service fee be paid?

There is no need to pay the service fee for the loan, and the user only needs to bring the information to the bank to apply. Of course, if the user applies for an intermediary loan, it generally needs to go through an intermediary operation, and then an intermediary service fee will be charged. If the user applies for a mortgage loan, the relevant institutions need to evaluate the asset value, and the evaluation fee will be charged.

Third, loan software that does not require service fees.

1. Meituan borrows money: Meituan credit loan. If a Meituan account completes the real-name authentication and binds the mobile phone number, you will have the opportunity to see Meituan's loan entrance in my wallet. After receiving the quota, you can make a loan. There is no charge for borrowing, as long as you pay interest. The daily interest rate starts from 0.02% and the annualized interest rate starts from 7.2%. 2. Money: a small full credit loan, without paying any fees before the loan, with a maximum amount of 200,000 yuan, which can be repaid the next day, with a minimum daily interest rate of 0.02% and a minimum annualized interest rate of 7.2%. The better the qualification, the lower the interest rate. 3.JD.COM Gold Bar: a free loan platform of Jingdong Finance. There is no handling fee for borrowing, and interest is charged. People with different qualifications have different interest rates. For example, the loan page shows 0.028%, the loan 1 0,000 yuan +0.28 yuan for 0 days, and the annual interest rate 10.22%, which is relatively low. : 1. loan (electronic receipt credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. 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. 2. The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links. (1) The loan examiner of the bank was omitted from the review content, which led to credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. (2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk. (3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

4. What's the service charge for the shell loan?

Agency fee for selling shells, which also includes the guarantee fee of intermediary companies, accounts for about 0.05% of the total.

So how to calculate the value of this 1%~3% to divide it? That is to say, if the value of the house is higher, the proportion of the agency fee will be lower or even lower.

For example, if the transaction price of the house is 5 million, it is reasonable to charge 1%. Houses with a price of more than 5 million but less than 6,543,800,000 are charged agency fees, ranging from 0.5 to 654.38+0%.

At present, housing transactions through shells need to pay intermediary fees, which are generally charged according to the housing. In other words, if you sell a house at 1 10,000 yuan, you need to pay RMB. At the same time, the higher the house price, the intermediary who needs to pay.

This platform is a familiar intermediary platform, and it also has a lot of housing information. Now people who change houses through the shell net are more rational.

Ke Holdings Inc is the mobile phone client software platform of Shell APP, which provides property information search and browsing functions for buyers and renters, and provides online commissions for owners, making real estate transactions more convenient.

On July 7, 2065438 17, the document "Special Equity Fund of Keke Holding Co., Ltd." showed that the scale of Series D of Keke Holding Co., Ltd. reached1100 billion US dollars.

(1) Property Dictionary: Chain consumption exists as an important "infrastructure" of shells. The ultimate goal of "Real Estate Dictionary" is to cover more than 300 cities in China and more than 2,000 counties under its jurisdiction, and complete the database of over 200 million real estates, making it a real "Real Estate Dictionary" in China.

(2) Massive opening: VR house viewing is the biggest highlight in Branch Holding Inc. at present, which reduces the cost of independent development of businesses while viewing the house.

(3) Solve the contradiction between B-end and B-end: Small intermediaries are often due to housing and customers. Chain Home has already established an ACN network with the help of online and offline management system.

(4) Solve the contradiction between B-end and C-end: The biggest pain point in online housing search is that "Yijia, Longhu Guanyu, Ziou, Leju, Tongchuang, Chengjia, Gulfstream, etc. 10 brand apartments have become the first members of the Shell Rental Quality Alliance.

(5) Four platforms: including brokerage platform, leasing platform, new house platform and decoration platform under preparation.