The guarantee fee is generally 3% of the loan amount, and the guarantee company also requires the enterprise to pay a deposit, which is about 20% of the amount. The amount of interest rate floating in the bank will be charged in the name of wealth management fees. In addition, you may be required to buy insurance, funds or gold, or even to issue a full acceptance letter after the loan is issued. Banks are also profitable enterprises.

Second, how does the guarantee company charge?

The fees charged by the guarantee company are charged according to different guarantee amounts. In general, an annual fee of 5% is charged for those below 5 million yuan, and 4% is charged for those between 5 million yuan and 1 0,000 yuan. Under specific circumstances, both parties can negotiate to handle the annual fee.

1. What are the charging regulations of the guarantee company? 1, the guarantee amount is less than 5 million yuan, and the annual guarantee rate is 5%; 2. The guarantee amount is more than 5 million yuan,100000 yuan, and the annual guarantee rate is 4%; 3. The annual guarantee rate is 3% for the part with the guarantee amount exceeding 6,543,800+million; 4. If the guarantee fee charged at the above rate is less than 2,000 yuan, it shall be charged at no less than 2,000 yuan; 5. The guarantee fee shall be paid to the guarantee company in one lump sum by the borrowing enterprise after all formalities are completed. Two. Provisions on guarantee in the Civil Code Article 386 Where the debtor fails to perform the due debt or the parties agree to realize the security interest, the holder of the security interest shall have the priority to be compensated for the secured property according to law, except as otherwise provided by law. Article 387 Where a creditor needs security in order to ensure the realization of his creditor's rights in civil activities such as lending, buying and selling, he may establish a security interest in accordance with the provisions of this Law and other laws. If a third party provides a guarantee for the debtor to the creditor, it may require the debtor to provide a counter-guarantee. The provisions of this law and other laws shall apply to counter-guarantee. Article 388 To establish a security interest, a security contract shall be concluded in accordance with the provisions of this Law and other laws. Guarantee contracts include mortgage contracts, pledge contracts and other contracts with guarantee functions. The guarantee contract is a subsidiary contract of the main creditor's rights and debts contract. If the principal creditor's rights and debts contract is invalid, the guarantee contract is invalid, unless otherwise stipulated by law. If the debtor, guarantor and creditor are at fault after the guaranty contract is confirmed to be invalid, they shall bear corresponding civil liabilities according to their faults. Article 389 The scope of guarantee of a security interest includes the principal creditor's right and its interest, liquidated damages, damages, expenses for keeping the secured property and realizing the security interest. Unless otherwise agreed by the parties, such agreement shall prevail. Article 390 During the guaranty period, if the mortgaged property is damaged, lost or expropriated, the owner of the secured property may get the insurance money, compensation or compensation in priority. If the performance period of the secured creditor's rights has not expired, the insurance money, compensation or compensation may also be deposited. Article 391 Where a third party provides a guarantee and the creditor allows the debtor to assign all or part of the debt without its written consent, the guarantor shall no longer bear the corresponding guarantee liability. Article 392 Where the secured creditor's right is secured by both things and other things, if the debtor fails to perform the due debt or the parties agree to realize the security right, the creditor shall realize the creditor's right in accordance with the agreement; If there is no agreement or the agreement is unclear, and the debtor provides the security of the property himself, the creditor shall give priority to the realization of the creditor's right with respect to the security of the property; Where a third party provides a property guarantee, the creditor may realize the creditor's right with respect to the property guarantee, or may require the guarantor to assume the guarantee responsibility. The third party providing the guarantee shall have the right to recover from the debtor after assuming the guarantee responsibility. Article 393 The security interest shall be extinguished under any of the following circumstances: (1) The principal creditor's rights shall be extinguished; (2) the realization of security interests; (3) The creditor waives the security interest. (4) Other circumstances in which the security interest is extinguished as stipulated by law. The above is the specific situation of the charges of the guarantee company. The handling of related matters needs to be strictly based on the actual guarantee behavior and related responsibilities, especially the specific scope of the charges of the guarantee company, which needs to be legally determined and handled by both parties through consultation according to the guarantee matters and related guarantee methods.

Third, how does the guarantee company collect the guarantee fee?

Generally, it is charged according to the percentage of the guarantee amount, depending on the car loan, mortgage loan or commercial loan. Generally between 1%-3%?

4. How does the guarantee company charge?

The state has no quantitative regulations. Here is the charging standard of a guarantee company.

1, the guarantee amount is less than 5 million yuan, and the annual guarantee rate is 5%;

2. The guarantee amount is more than 5 million yuan,100000 yuan, and the annual guarantee rate is 4%;

3. The annual guarantee rate is 3% for the part with the guarantee amount exceeding 6,543,800+million;

4. If the guarantee fee charged at the above rate is less than 2,000 yuan, it shall be charged at no less than 2,000 yuan;

5. The guarantee fee shall be paid by the borrowing enterprise to the guarantee company in one lump sum before the bank lends money after completing all formalities;