Tall man.
1, lenders charge fees to earn the difference in fees, so that they have room for profit. Generally speaking, it is not urgent, and the fees charged for normal loans are reasonable as long as they do not exceed 4-5%.
2. The lowest score of general NGOs is 1, and there are 2 or 3 cases.
Nowadays, people often use loans in their lives. There are many types of loans, which are usually divided into mortgage loans and credit loans. There are also many ways to borrow money. In addition to common bank loans, there are also local companies, but loans are also accompanied by risks, and borrowers need to measure their economic ability to make choices.
4, so it is definitely unreasonable to draw 8 points.
Is it illegal to help others get a commission from the bank loan?
It's not illegal to help others get a commission from a bank loan. If there is fraud in the process of loan, it is illegal.
How reasonable is the loan agency fee?
The information or technical service fee of loan intermediary income is actually an intermediary fee, and some of them will be higher, depending on the individual and the urgency. The loan agency fee is generally between 3% and 9%.
Generally speaking, when applying for loans from banks and online lending platforms, people rarely encounter loan agency fees and handling fees. If you ask an intermediary to help you with a loan, you may have to pay an intermediary fee and a handling fee. There is no fixed ratio between loan agency fee and handling fee.
Generally speaking, when applying for loans from banks and online lending platforms, people rarely encounter loan agency fees and handling fees. If you ask an intermediary to help you with a loan, you may have to pay an intermediary fee and a handling fee.
At present, there is no fixed proportion of loan agency fees and handling fees, which are often calculated according to the borrower's amount, purpose, term and credit. At present, many intermediaries charge a fixed amount of fees in addition to proportional fees.
1. Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises stipulates that 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. But this must find a legal loan intermediary to be implemented according to the law.
2. 1995 The Notice of the Ministry of Construction of the State Planning Commission of China on the Charge of Real Estate Intermediary Services stipulates that the charge ratio of China real estate intermediary service fees is 5%, which can be adjusted according to the actual market price.
3. Article 23 of China's "People's Republic of China (PRC) Contract Law" stipulates that an intermediary contract is a contract in which the intermediary reports the opportunity to conclude a contract to the client or provides intermediary services for the client to conclude a contract, and the client pays the remuneration. If the broker facilitates the establishment of the contract, the principal shall pay the remuneration as agreed. Accommodation fee (also known as "commission") refers to the remuneration collected by intermediary agencies for completing the loan application contract signed by customers and lending institutions. When the contract is established, the client shall also pay the corresponding remuneration in the contract.
What is the charge ratio of some institutions for personal agency loan business?
There are several proportions.
The agency fee charged by the loan company is generally 1000 to 5000. There are two ways to charge a loan intermediary: (1) charging a fixed loan fee according to different loan products, generally ranging from 1000 to 5000; For example, a car loan usually has a car fee of about 500 pounds, a guarantee fee of about 200 pounds, a car evaluation fee of about 300 pounds and a GPS installation/disassembly fee of about 200 pounds. Some mortgage institutions are also fixed at around 65,438+0,000 yuan, and some loan intermediaries charge 65,438+0, 500 yuan. Fees or service charges are generally based on assessment fees. (2) According to the percentage of the loan amount, the general charge is 3% to 9% (some lending institutions are also called points; E.g. 3 points)
A loan intermediary company is a financial service institution, which earns commissions through its services. It can be understood that if you pay the fee, they can basically help you operate anything they can do for you, which can save a lot of time. Similarly, if you live on this service, you must make our choice as cost-effective as possible in many ways.
1. Generally speaking, there are several points in the loan agency fee: the loan agency fee is not clearly stipulated. Generally speaking, the normal agency fee is between 3- 10. The handling fee of the loan intermediary is determined according to the customer's city and personal qualifications. For example, in first-tier cities, it is generally above 10, because customers only need to cooperate to provide information, and other things are handled by intermediaries, so the handling fee will be more expensive. Some intermediaries will lower the price by a few points to attract customers, so they are basically between 3- 10 points.
2. Is the loan intermediary company reliable: Generally speaking, the intermediary company is reliable, because the purpose of the formal loan intermediary company is to help customers complete the loan processing, and then charge a certain fee according to the work. The amount of handling fee usually depends on the difficulty and workload of the work, so the handling fee may be different for everyone. What Bian Xiao wants to emphasize here is that the above-mentioned situations are usually based on the choice of formal intermediary, but now many intermediary companies, large and small, cheat in the name of intermediary, so this is also the reason why intermediary companies have a bad reputation. We must be cautious when choosing and inspecting loan intermediary companies. If it is a small-scale loan intermediary, and it needs continuous pre-charging, it is necessary to be vigilant. Most of these units are unreliable, because formal intermediaries have to rely on service and reputation to operate besides making money themselves. Overcharging in the early stage is basically not the style of formal units.
The loan gets a commission, that is, a commission. Is the principal of the loan deducted from the commission? Really?
When a company borrows money from an individual or sends a commission to an individual, it needs to be withheld and remitted, right? Is it necessary to withhold 20% if it exceeds 800? But there are two situations in our company:
1. Borrowing from individuals: shareholders and employees of the company borrow money in their own names and then lend it to the company, and then the company repays the loan principal and interest in installments every month. Is it a bit unreasonable to deduct the employee's tax from the interest paid?
2. We are an online platform, equivalent to the form of B2B. Anyone can become our online distributor to get our commission. Is it unrealistic for these thousands of people to declare the tax withholding of these N people?
Is it illegal for a credit company to charge 19% service fee for helping people with loans? Can the police be recovered?
Not illegal. Credit companies charge 19% service fee for helping people with loans: no service fee is required for normal loans. If the other party requests to pay the service fee, it should be distinguished. When you don't know the content of the loan service fee, you can ask a lawyer to help you protect your rights and interests. If you just borrow money directly from the bank, there will be no service charge. The loan agency fee is legal, as long as it does not exceed the standard. Legal basis: 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 institutions 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, and the law will support them as long as they do not exceed the standard.