Usually, unsecured loans have the highest guarantee fee, because borrowers do not need to provide collateral, and guarantee companies only rely on credit guarantees to bear greater risks, so the guarantee fee is higher.
In short, the greater the loan risk, the higher the guarantee fee. Maintaining good credit and providing sufficient collateral will help reduce the loan guarantee fee.
Extended data:
Investment guarantee companies generally require a registered capital of more than 654.38 billion yuan, and if they guarantee across regions, they need to reach more than 654.38 billion yuan.
According to the State Council's Decision on Amending the State Council's Decision on Setting Administrative License for Administrative Examination and Approval Items that Really Need to Be Retained (Order No.548 of the State Council), the "examination and approval of establishment and change of inter-provincial or large-scale credit guarantee institutions for small and medium-sized enterprises" was changed to "examination and approval of establishment and change of financing guarantee institutions", and the implementing organ was changed from the National Development and Reform Commission to the department determined by the people's governments of all provinces, autonomous regions and municipalities directly under the Central Government.
Judging from the registration situation of other provinces and cities, there are differences in local operations: Beijing Industrial and Commercial Bureau does not restrict the registration of guarantee companies; Shanghai Industrial and Commercial Bureau suspended the registration of guarantee companies; Zhejiang Industrial and Commercial Bureau only registers guarantee companies with a registered capital of more than 50 million yuan; Jiangsu Industrial and Commercial Bureau registered as a "non-financing guarantee company", and its business scope was approved as "non-financing guarantee".
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