As far as banks are concerned, according to the actual situation of loan applicants, the benchmark loan interest rate rises, usually 10%-40%. In terms of loan fees, banks generally have no other charges except interest rates.
So far, the company's loan fees are different from those of banks, and the company's interest rate fees are generally not too high. The expenses of the company are divided into interest rate, monthly management fee and other expenses.
2. What are the charges for bank loans?
Notary fees and some audit fees. Different banks are different and should be analyzed in detail. Generally, the mortgage fee for faster houses is several hundred yuan. Second-hand housing mortgage, or mortgage loan, will have some other expenses.
3. What's the charge for the bank loan?
Whether or not to charge a handling fee for a bank loan depends on the loan contract, and all the fees will be agreed in the contract.
You don't have to pay the fees not included in the contract.
Ordinary bank loans generally do not charge fees, only loan interest.
However, in the process of handling the loan, there may be some expenses.
For example, mortgage loans may be charged: real estate appraisal fee and mortgage registration fee (not charged now).
In addition, some special loans will charge fees, such as entrusted loans and syndicated loans.
But these expenses will be clearly listed in the loan contract.
Therefore, it is uncertain whether the loan will be charged a handling fee. Every loan is different, and the loan contract shall prevail.
4. What are the procedures for bank loans? Do you need a guarantor for bank loans?
For college students who want to start a business, there is not enough money to start a business. Everyone thinks of bank loans, but I don't know what the procedures are for bank loans. The questions about netizens will be explained one by one in the article. If I go to the bank to borrow 00 to 5000, do I need a guarantor? Credit loans are hard to get, so they can only be mortgaged or mortgaged. It takes a long time and the amount is not large. Loans are not recommended. Find someone to borrow a loan. I am a college graduate. I haven't found a job yet. I want to start a business. Who can tell me the procedure of getting a loan from the bank? It's normal for college students to start a business, but you have the reputation of going there and have no practical experience, but it's ok to borrow tens of thousands more. What if you lose money? I still suggest that you can open an online shop in Taobao first and accumulate experience in opening a shop. After all, it is the condensation of a small society, and you will learn a lot. I am also a Taobao agent. If you need anything, after all, what is the procedure for starting a business on Taobao? Generally, the long-term period is not more than 5 years, and the geographical location and fixed number of years of the mortgaged property must meet the requirements of the bank; If the property owner is your father, the signature of the mortgagor needs the signature of your parents. The specific information needed is as follows: loan conditions: 1. The loan can only be made if there is collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral; 2. A source of income with long-term loan principal and interest; 3. Guarantor; 4. Personal loan demand letter, proof of marital status and guarantor's ID card, household registration book, proof of marital status and other relevant information required by the bank. 5. Property owner's ID card/household registration book/proof of marital status; You also need to pay the lawyer's witness fee, mortgage registration fee, mortgage property insurance fee and property evaluation fee. Generally it takes 65,438+0 months to apply for a loan. 2. After the bank accepts it, it will evaluate the value of the mortgaged property and finalize the loan contract. 4. Apply for real estate mortgage registration; 5. Bank release procedures, bank loan fees and bank loan procedures.