If you simply borrow directly from the bank, there will be no service charge; However, from a legal point of view, the loan agency fee is a legal agency fee and a legal charging item. The law will support it as long as it does not exceed the standard. The income of the microfinance company, that is, the cost of your loan, is mainly reflected in the interest rate level, and the service fee can be ignored.
The bank's credit information system is now networked. If there is something wrong with the husband and wife's credit information system, the bank will check it clearly when the husband and wife borrow money to buy a house. Based on this premise, it is generally impossible for them to borrow money to buy a house if they go out of the responsibility regulations within the bank. Because there is something wrong with the credit information, it is best to consult the local bank before handling it.
Credit investigation is an activity of collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and conduct credit management.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to share credit information.