Legal analysis: Credit business is divided into mortgage loan, secured loan, pledged loan, credit loan and mortgage loan. The charging standard of each business is different. For example, the agency fee for the sale of houses is charged at 0.5%-2.5% of the total transaction price. If the intermediary acts as the sole agent, the service fee shall be determined by the buyer and the seller through consultation, and the maximum charge shall not exceed 3% of the transaction price.

Legal basis: Several Opinions on Handling Lending Cases by People's Courts Article 6 The interest rate of private lending may be appropriately higher than the bank's interest rate, but the maximum interest rate shall not exceed four times that of similar bank loans (including the principal interest rate).