Because 405,000 yuan is the guarantee fee, the guarantee fee is different from the loan fee, and the loan fee is taken according to the percentage of the guarantee amount. In other words, the loan amount is obtained only after the guarantee amount is obtained.

The guarantee fee is the fee charged by the guarantee company for your guarantee responsibility, which is generally charged according to the percentage of the guarantee amount. Because while the guarantee company undertakes the guarantee responsibility, if the customer cannot repay the risk, the guarantee company will make compensation.

The guarantee is the loan amount of 300,000 yuan and 405,000 yuan, including interest and overdue fees. The guarantee is the whole guarantee, not just the loan amount. Look at the guarantee contract carefully and you will understand.