Many institutions handle personal credit loans. People who need funds should choose carefully when choosing loan channels or institutions, give priority to banks, insurance and large financial institutions, try to go to the official platform or physical storefront of formal institutions for consultation and business handling, and check whether their relevant licenses and certificates are complete before handling. Don't trust strangers in the network, and be alert to the trap before the next charge. The whole process of loan, from application-investigation-approval-implementation of conditions-lending, the bank does not charge handling fees. There is a charge in the process of mortgage, that is, the mortgage fee, but that is also paid by the bank. The customer pays the money first, and the bank returns it to the customer. In short, there is no handling fee for the whole link. It is recommended to go through formal procedures, and those who dare to collect fees or not can complain to the banking regulatory bureau.