This is legal. It is legal to charge 20% service charge for loans, but the 20% service charge is already very high. Be cautious in lending, and communicate in time if you regret it.
Is it legal for the sales office in mortgage to buy a house to charge the loan fee?
Personally, it is reasonable, because the staff of the sales office also gave us a lot of time, and we should charge some fees. These expenses include labor costs, handling fees and various errands. Employees also need to deal with relationships. As we all know, China is a country with a network of interpersonal relationships, so if you want to buy a good house and get a successful loan, you can accept a fee-based service.
Generally speaking, the business department's agency payment is a business jointly organized by the business department and the loan bank. The purpose of this is to facilitate customers to borrow money, so banks are also happy to accept it, because in fact all three parties can get the results they want. For example, we buy a house not only because we want to buy a good house and a good location, but also because of our own economic situation and loan service. We all want to run less errands and buy a suit that suits us. For the sales office, it is also a good opportunity for the staff to sell the house in time, provide better services to customers and facilitate better transactions with customers. For banks, cooperation with the sales department is guaranteed, and all indicators and services issued by the bank headquarters can be completed. Therefore, the agent's service of collecting payment for goods is reasonable. I think as long as people really want to buy a house, they will generally not refuse.
So what information does the sales office generally need for payment? Generally, the information we need is personal identity card, paying certain insurance premium, notarization fee and submitting our own credit report. Actually, it's similar to getting a loan from a bank.
The purpose of the loan is to relieve our economic pressure. Buying a house is a big deal. If we put all our money into real estate at once, our quality of life or other aspects may be tight.
Is it legal for loan intermediaries to charge fees?
This is legal, but unreasonable. Loan agency fee 15%. I think the cost is too high. However, the loan agency fee is legal, not illegal. If you agree to pay the fee, let him apply for a loan; Refuse to pay the fee if you don't agree, and don't lend it.
The expenses that the Lender shall bear when handling the loan are as follows:
1. Handling fee
At present, some banks will attract customers' attention through interest-free loans, but in fact they charge interest through handling fees;
2. Interest expense
The amount of interest depends on the bank chosen by the lender or the personal loan conditions of the lender. Different banks charge different loan fees. If the lender has good conditions, the loan interest charged is low;
3. liquidated damages
If an individual fails to repay the loan on time when signing a loan contract with a bank, the bank has the right to collect liquidated damages according to the amount agreed upon when signing the contract.
Is the loan intermediary charge legal?
First of all, from a legal point of view, the loan agency fee is legal.
According to Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises, the state encourages all kinds of social intermediary agencies to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises. Intermediary fees are legal fees, as long as they do not exceed the standard, there is legal support.
Because there are some expenses in the loan process, such as insurance premium, agency fee, license fee, entertainment fee, etc. It is legal for a loan intermediary company to charge agency fees.
A professional loan intermediary knows very well what information institutions need to prepare and what conditions they need to meet. When he communicates with you, he will ask you to prepare any information according to your situation, and even give you appropriate packaging.
Remember, the proper packaging mentioned here is not fake. Generally speaking, it can help you avoid some misunderstandings and loan rejections caused by lack of information. At the same time, you will be informed of many matters needing attention after application, which greatly improves the efficiency of application.
Extended data:
Matters needing attention in handling loans:
1, loan purpose
You can apply for a loan to buy a house, buy large household durable consumer goods, or study abroad, but you can't apply for a loan if it is used to buy contraband or engage in equity investment.
2. Loan interest rate
The loan interest rate of different banks is different, so you need to know which bank's loan interest rate is more suitable for you before you apply for a loan. If you don't choose a good loan interest rate, it may bring great pressure to your later repayment.
3. Loan costs
Many people tend to overlook the problem that there will be corresponding fees for handling loans. Generally speaking, these fees include notarization fees, contract fees, evaluation fees, insurance fees, mortgage registration fees and so on. Different banks will have different standards for the collection of these fees, and some banks will waive part or all of them.
4. Repayment method
The choice of repayment method must be cautious. Choosing the right repayment method can save a lot of interest in the later period, so you must choose the repayment method that suits you. Generally speaking, the common repayment methods are average capital repayment method and equal principal and interest repayment method, which are quite different.
5. Loan service
When handling loans, we should pay attention to whether the bank's loan service is thoughtful. The service level of different banks is different. When choosing, try to choose a bank with good service attitude and simple procedures.