It is illegal to charge a service fee for a loan. Under normal circumstances, there is no need to charge a service fee for loans. If the other party asks for a service charge, it should be distinguished. If it is simply a direct bank loan, there is no service charge; But from a legal point of view, the loan agency fee is legal. The agency fee is a legal fee, and the law supports it as long as it does not exceed the standard. Article 17 of the SME Promotion Law of People's Republic of China (PRC) promotes and supports the construction of inclusive financial system, promotes the orderly and healthy development of small and medium-sized banks, non-deposit lending institutions and internet finance, and guides banking financial institutions to extend their outlets and businesses to areas with weak financial services for small and micro enterprises such as counties and towns. Large state-owned commercial banks should set up inclusive finance institutions to provide financial services for small and micro enterprises. The state promotes other banking financial institutions to set up financial service franchises for small and micro enterprises. Regional small and medium-sized banks should actively provide financial services to local small and micro enterprises and promote the development of the real economy.

What does the service charge for the loan mean?

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1. How much is the loan service fee?

Loan service fee refers to the fee charged when handling loan business, which is generally charged by banks, and the charging standard depends on local conditions.

The loan service fee is generally charged by the bank, but it is also charged by a third party that helps the loan business.

Loan service fees and charging standards depend on local conditions.

You don't have to pay this fee to apply for a provident fund loan, but you only need to pay a guarantee fee (three thousandths of the loan amount, with a minimum of 300) and a house evaluation fee (three thousandths of the evaluation value, with a minimum of 300 and a maximum of 1500).

Second, is it illegal to charge service fees for loans?

If it is simply a direct bank loan, there is no service charge; But from a legal point of view, the loan agency fee is legal.

The agency fee is a legal fee, and the law supports it as long as it does not exceed the standard. The company's income, that is, the cost of your loan, is mainly reflected in the interest rate level, and the service fee can be ignored.

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 institutions to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises. The agency fee is a legal fee, and the law supports it as long as it does not exceed the standard.

3. Do I have to pay the loan service fee after paying the agency fee?

The agency fee is the cost of providing customers with a series of services such as housing information, house viewing, negotiation and signing contracts;

The loan service fee is the fee incurred when handling the formalities for some customers with loan needs. When handling the second-hand housing mortgage, customers have to deal with the personnel of banks, lawyers and evaluation agencies, but if they are represented by intermediary companies, they will avoid running around by themselves. To put it bluntly, the loan service fee is "running errands".

At present, the charging standards and detailed rules for loan service fees are still blank. Consumers Association real estate professionals said that the lack of legal vacuum of loan service fees should be incorporated into the legal system as soon as possible.

In the specific implementation process, we should also publicize the rationality of this charging standard. After determining the specific charging standards, we also need to explain the specific charging standards to consumers when handling business.

How much is the loan service fee?

Loan service fee refers to the fee charged when handling loan business, which is generally charged by banks, and the charging standard depends on local conditions.

The loan service fee is generally charged by the bank, but it is also charged by a third party that helps the loan business.

Loan service fees and charging standards depend on local conditions.

You don't have to pay this fee to apply for a provident fund loan, but you only need to pay a guarantee fee (three thousandths of the loan amount, with a minimum of 300) and a house evaluation fee (three thousandths of the evaluation value, with a minimum of 300 and a maximum of 1500).

Extended data

Applying for a loan directly from the bank will not charge the so-called loan service fee. When you apply for a loan, you usually need to pay a handling fee and interest. If you breach the contract during the loan process, you still need to pay liquidated damages, so you should pay attention when applying for a loan. General banks will only charge these three loan fees;

At present, some banks or lending institutions can make loans without interest, and they all earn interest by charging fees in disguise. The amount of loan interest also depends on the choice of loan individuals and products, loan channels and so on.

Loan service fees and charging standards depend on local conditions. You don't have to pay this fee to apply for a provident fund loan, but you only need to pay a guarantee fee (three thousandths of the loan amount, with a minimum of 300) and a house evaluation fee (three thousandths of the evaluation value, with a minimum of 300 and a maximum of 1500).