Usually 25% to 30%. . .
Second, the entrusted loan fee
Legal analysis: the entrusted loan business should entrust the commission according to the loan amount and term as follows: (1) The loan amount is 65.438 billion yuan, the people's rate is not less than 654.38+ 0.5 ‰, and the monthly rate = annual rate/654.38+02; (2) The loan amount is more than 6,543.8 billion yuan (inclusive): the annual rate is not less than 65,438+0 ‰, and the monthly rate = annual rate/65,438+02; (three) the public foot 1000 yuan, according to 1000 yuan. If the individual entrusted loan single handling fee is less than 100 yuan, it will be charged at 100 yuan. (4) The charging standard for entrusted loan business in foreign currency shall be implemented with reference to the charging standard for entrusted loan business in RMB.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 919 An entrustment contract is a contract in which the principal and the agent agree that the agent shall handle the principal's affairs.
The nine hundred and twentieth shows the handling of entrusted transactions. If it is necessary to change the client's instructions, it shall be approved by the client; If it is difficult to get in touch with the client due to an emergency, the agent shall properly handle the entrusted affairs, but shall report the situation to the client in time afterwards.
3. Who will pay the handling fee for the entrusted loan? how much is it?
1. business tax: according to the provisions of China's tax law, 5% business tax is paid on the interest income obtained by the entrusting party, which can be withheld and remitted by the bank; The handling fee obtained by the trustee shall also be subject to business tax at the applicable tax rate. When collecting business tax, the business tax payable by the entrusting party shall be withheld and remitted by the institution that finally issues loans to the user units or individuals and obtains loan interest, and remitted to the competent tax authorities where the institution is located.
2. Entrusted loan handling fee: The bank accepts the application for entrusted loan from customers, and collects the handling fee from customers in proportion according to the agreed terms such as entrusted loan amount, loan term, and liability for breach of contract.
3. Stamp duty on loan contract: generally, for entrusted loan transactions, stamp duty is paid once for each transaction and 0.5 ‰ of the loan amount is paid for each entrusted loan. Under the cash pool mode with entrusted loans as the main mode, enterprises and local taxation bureaus generally negotiate to determine the total amount of loans within a certain period of time, and pay stamp duty regularly at the tax rate of 0.5 ‰.
4. Interest expense: Under the cash pool mode, the interest rate of mutual lending funds between accounts should be within the benchmark interest rate of deposits and loans stipulated by the central bank. Once the interest rate exceeds this range, it may be questioned by the tax authorities because of suspected transfer pricing.
4. Is there any specific standard for the handling fee of entrusted loans, and what is the minimum?
The annual handling fee rate shall not be lower than 1.5‰-3‰,
Banks charge different fees, please consult the bank for details!