The service fee not exceeding a reasonable range is legal. If you simply borrow directly from the bank, there will be no service charge;

In order to handle the loan, the lender needs to bear the following expenses:

1, handling fee. At present, some banks will attract customers' attention through interest-free loans, but in fact they charge interest by charging fees;

2. Interest expense. The amount of interest expense depends on the bank selected by the lender or the personal loan conditions of the lender. Different banks charge different loan fees. If the lender's conditions are good, the loan interest charged is relatively low.

3. liquidated damages. When an individual signs a loan contract with a bank, if he fails to repay the loan on time as agreed in the contract, the bank has the right to collect liquidated damages by signing the amount agreed in the contract.

Extended data:

Is it legal for a loan intermediary to charge a handling fee?

Legally speaking, it is legal, after all, people have paid labor.

However, the actual operation is still different, and the water is very high. It is recommended to ask the company more.

Is it legal to charge a loan service fee?

Legal.

Loan service fee refers to the fee charged when handling loan business, which is generally charged by banks, and the charging standard depends on local conditions. Loan service fees are generally charged by banks, but they are also charged by third parties that help the loan business.

Loan service fees and charging standards depend on local conditions. You don't have to pay this fee when you apply for a provident fund loan, but you only need to pay a guarantee fee (three thousandths of the loan amount, with a minimum of 300) and a house appraisal fee (three thousandths of the appraised value, with a minimum of 300 and a maximum of 1500).

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According to the Provisions on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases:

Article 26 If the interest rate agreed by the borrower and the borrower does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people shall support it.

The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. If the borrower requests the lender to return the interest paid in excess of 36% of the annual interest rate, the people will support it.

Article 27. The loan amount specified in debt certificates such as IOUs, receipts and IOUs is generally recognized as the principal. If interest is deducted from the principal in advance, the actual amount lent shall be recognized as the principal.

Twenty-ninth borrowers and lenders have agreed on overdue interest rates, which shall be implemented in accordance with the agreement, but the annual interest rate shall not exceed 24%.

If the overdue interest rate is not agreed or clearly agreed, the people can deal with it according to different situations:

(1) The lender claims that the borrower shall pay the interest during the period of capital occupation at the annual interest rate of 6% from the date of overdue repayment, and neither the interest rate during the loan period nor the overdue interest rate is agreed, which should be supported by the people;

(2) If the interest rate during the loan period is agreed, but the overdue interest rate is not agreed, and the lender claims that the borrower will pay the interest during the capital occupation at the interest rate during the loan period from the date of overdue repayment, the people will support it.

Article 30 The lender and the borrower have agreed on overdue interest rate, liquidated damages or other expenses. Lenders can choose to claim overdue interest, liquidated damages or other expenses, or both, but the people will not support the part with a total annual interest rate exceeding 24%.

Article 31 If the borrower voluntarily pays interest or liquidated damages exceeding the agreed interest rate without harming the interests of the state, the collective and the third party, and the borrower requests the lender to return it on the grounds of unjust enrichment, the people will not support it, except that the borrower requests to return interest exceeding 36% of the annual interest rate.

Article 32 The borrower may repay the loan in advance, unless otherwise agreed by the parties.

If the borrower repays the loan in advance and claims to calculate the interest according to the actual loan period, the people should support it.