1. Charge according to the loan amount.

For example, he will tell customers that 65438+ 10,000 yuan will receive 3%,10-300,000 yuan will receive 2%, and more than 300,000 yuan will receive 1%.

Second, tell customers that if they have good credit, they will charge less, and if they have bad credit, they will charge more.

What is a loan intermediary?

Loan intermediary refers to cooperation with banks. The main body of the loan is the bank, and the intermediary helps you find the most suitable product in the fastest time, and collects a certain handling fee from it.

The loan intermediary exists as a turning interface that transforms the unified interface of the bank into a variety of customers. It is more like a microchannel that flows into the borrower's market.

Loan intermediaries mainly provide loan guarantees for small and medium-sized enterprises, including enterprise liquidity loan guarantees and personal business loan guarantees. , and can also provide investment and financing guarantees, performance guarantees, etc. The enterprise needs to provide the information required by the guarantee company, and the guarantee company will evaluate its solvency.

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 small and medium-sized enterprises with services such as entrepreneurship assistance, enterprise diagnosis, information consultation, market consultation, investment and financing, loan guarantee, property right transaction, technical support, talent introduction, talent training, foreign cooperation, exhibition and legal consultation.

Therefore, as long as the loan intermediary does not engage in illegal loan fraud and the service fee does not exceed the standard, then the law is allowed. Some borrowers consult loan procedures and processes in lending institutions, and customer service personnel require a 4% service fee. In fact, there are credit managers in the bank who specialize in loans, and there are also expenses for facilitating transactions, which are only included in the loan cost.

Why are you looking for a loan agent?

Formal and reliable loan intermediaries can help borrowers a lot. The biggest advantage lies in strong connections and rich experience. It can help borrowers analyze their own strengths and weaknesses, recommend suitable products, and inform you of the latest information of lending institutions, such as which bank has recently tightened lending, which loan products have stopped lending, and which loan interest is the lowest.

When we apply for a bank loan, often a little problem may lead to loan failure. A good intermediary can help you avoid these problems as much as possible.

Is it legal to charge an intermediary fee of 30 thousand for a mortgage loan of 400 thousand?

It is illegal for a finance company to borrow 400,000 yuan and charge an agency fee of 30,000 yuan. Strictly speaking, this handling fee is called service fee, which is more reasonable and legal, because others don't understand the procedure of lending, so it is normal and legal for you to handle it on your behalf. Generally, there are few large loans, such as1100,0001~ 20,000,103 ~ 5,000. It must be illegal to charge 30 thousand for 200 thousand.

_ Legal basis: Article 96 1 General Principles of Civil Law of People's Republic of China (PRC) * * * An intermediary contract is a contract in which the intermediary reports the opportunity to conclude a contract to the client or provides media services for concluding a contract, and the client pays remuneration. Article 962 The broker shall truthfully report to the client the matters related to the conclusion of the contract. If the broker intentionally conceals important facts related to the conclusion of the contract or provides false information, which harms the interests of the client, he shall not ask for payment of remuneration and shall be liable for compensation.

It is reasonable to charge a few points for the loan agency fee.

The loan agency fee generally ranges from 3% to 9%.

Generally speaking, when applying for loans from banks and online lending platforms, people rarely encounter loan agency fees and handling fees. If you find an intermediary to help you with the loan, you may have to pay the intermediary fee and handling fee. There is no fixed ratio between loan agency fee and handling fee.

Basic loan terms:

Loan target: China citizens aged 18 to 60 with full capacity for civil conduct.

Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.

Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB.

Application materials to be provided:

1. A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.

2, the guarantor's credit certification materials.

3. Collateral appraisal report issued by the appraisal department recognized by the society.

4. Other documents and materials stipulated by the Construction Bank.

5. Original and photocopy of the borrower's valid identity certificate.

6. Local permanent residence or valid residence identity certificate.

7. The borrower shall issue the income certificate issued by the employer, the borrower's tax bill and insurance policy.

8. The pledge right, the list of collateral and the ownership certificate required for the borrower to obtain the collateral and the mortgage amount. Written documents of the owner and the property that someone agrees to pledge or mortgage.

9. The borrower also needs to provide the payment voucher for the hydropower property where the company is located and the payment voucher for the hydropower property at the personal address.

How much is the agency fee for bank loans?

Intermediary fees are generally collected in two ways according to the transaction time node: one-time collection or segmented collection. In housing transactions, the agency fee is generally borne by the buyer and the seller, and of course it is also borne by the seller in full. There is no strict restriction on who will bear the agency fee, as long as all parties reach an agreement. The agency fee is as follows, taking the sale of real estate as an example:

1, real estate consultation fee: according to the service form, there are two kinds of consultation fees: oral consultation fee and written consultation fee. The specific standards are determined according to the professional level and workload.

2. Price appraisal fee: the real estate price appraisal fee, mainly based on real estate, is charged step by step according to the total real estate price.

3. Real estate brokerage fee: the fee charged by the house buying and selling agent is 0.5%-2.5% of the total transaction price. For exclusive agents, the charging standard may be appropriately increased, but it shall not exceed 3% of the transaction price.

What is the cost of personal housing mortgage loan? What will happen to personal credit loans overdue?

Apply for the mortgage loan fee of my house.

1, housing appraisal fee

The applied property needs to be appraised by the house, which can only be appraised by the bank or the designated asset appraisal institution, and there will be appraisal fees in the middle. However, there is no uniform standard for the assessment fee of mortgage loan, which is generally linked to the assessed amount and then calculated directly according to the bill (the assessment deduction is about 200-500 yuan).

2. Notary fees

Some banks will require borrowers to fulfill fair loan contracts. After notarization of house mortgage, if the borrower defaults in the later period, the bank can evade the complicated procedures of auction by virtue of the notarized power of attorney, and forcibly complete the disposal of pledged property to ensure its rights and interests. At the level of charging standard, the notary office deducts 3‰ of the loan amount, and authorizes the notarization fee to be diversified at around 2000.

3. Appraisal fee for pledge right

It is the house ownership certificate that applies for real estate mortgage as general collateral. In this link, the borrower needs to pay the filing fee for the pledge of his rights. The tariff standards in each place will be different. General residential 80 yuan, commercial class must be 500-600 yuan.

4. Intermediary service fee

Some people want to get loans quickly and conveniently, and they will designate intermediary companies to handle mortgage loans. There is no such thing as a free lunch, and the intermediary company also needs to deduct the surcharge. There is no tariff standard for middlemen, which generally ranges from 2% to 10% of the total amount of the next paragraph. However, it can be noted that the more informal the intermediary, the greater the surcharge. In addition, the intermediary service fee has a certain bargaining area in a sense, mainly depending on how you master it. Regular customers are generally more talkative.

How can mortgage loans save more money?

1. Appropriate loan term

The longest loan period of housing mortgage loan is 30 years. According to the truth, the longer the loan term, the lower the repayment pressure, but the higher the loan cost; The shorter the loan term, the less interest and the lower the loan cost, but the repayment pressure is too great. Therefore, in order to save the loan cost, it is very important to choose the appropriate loan term. If the economic situation is not so good, it is best to choose a longer loan period, which will not seriously affect daily life. If the economic situation is more suitable, you can choose a shorter loan period to save the loan cost.

2. Appropriate repayment methods

There are many repayment methods of housing mortgage loans, but borrowers should not blindly choose, because the appropriate repayment methods can also save loan costs. Under normal circumstances, people who apply for housing mortgage loans can worry about equal principal repayment or equal principal and interest repayment. If you want to reduce the repayment pressure, it is best to choose the repayment method of equal principal repayment; However, if you want to save the loan cost, it is best to repay the principal and interest in the same amount, which will increase the repayment pressure.

3. Suitable loan commodities

Mortgage loan to buy a house belongs to housing mortgage loan. When handling mortgage loans, you can choose two kinds: personal provident fund loans and commercial loans. I believe many borrowers understand the advantages of personal provident fund loans, and the interest is low. If there is no provident fund, you can apply for commercial service loans, or if there is provident fund, you can get a combination of provident fund and commercial loans. In fact, no matter what the final loan product is, it is a good loan product as long as it can save the loan cost.

What will happen to personal credit loans overdue?

If the loan has not been repaid by the repayment date, in addition to continuing to pay the loan interest, it is also necessary to pay huge overdue interest and contract liquidated damages. Banks or different types of lending institutions have different deduction standards for overdue interest. Various private lending organizations will charge more than financial institutions. Some lending institutions need these borrowers to pay overdue interest, and they also need to pay huge contract liquidated damages.

Be urged to pay

At the beginning, lending institutions sincerely remind borrowers to pay off in one lump sum through SMS, but after a certain period of time, they will take actions to collect borrowers, such as making more than a dozen mobile phones and sending messages every day. Even if you change your phone number, they can still call your relatives and friends.

Endanger personal credit information

The interference with personal credit information is the most serious. No matter how you apply for a credit card or loan, as long as you access the central bank's personal credit information system, it will remain in the credit information report, which naturally contains overdue information. Bad credit records will not only damage the loans you have been making in commercial banks, but also affect your daily life.

Many people think that loans overdue will not affect personal credit for a day or two. Because financial institutions have a buffer period, if you default on the loan for three or six times, it will be overdue even during the buffer period, and if it is serious, it may be blacklisted.

towards

Loans overdue involves a large amount of money, and lending institutions may appeal. Although it is unlikely to go to jail, it will rule to freeze all your assets or force repayment.

How to charge the financial mortgage fee? Do you need extra money?

There is an extra charge.

The mortgage agency fee is calculated according to the percentage of the loan amount, generally ranging from 3% to 9% (some lending institutions also call it points, such as three points). As for the specific points, it depends on who applied for the mortgage loan, the loan amount, the number of years and so on.

There are many factors that affect agency fees.

There is also a charging method of mortgage intermediary, which charges a fixed loan fee according to different loan products, generally ranging from 1000 to 5000.

How much is the loan agency fee reasonable?

Intermediary loans generally charge about 0.5 to 3 cents, which depends on the intermediary company the customer is looking for, because the points of each intermediary company are different. Like the larger intermediary companies, the points they set are calculated according to the total transaction price of the house.

Under normal circumstances, the transaction price of a house below 1 10,000 will be charged by 3 points, and the transaction price above 5 million will be charged by 0.5 points. In other words, the higher the transaction price of the house, the lower the points collected by the intermediary company, and the higher the transaction price, but basically it will not exceed 3 points. Loan intermediary refers to cooperation with banks. The main body of the loan is the bank, and the intermediary helps you find the most suitable product in the fastest time and charges a certain fee.

The loan intermediary exists as a turning interface that transforms the unified interface of the bank into a variety of customers, more like a microchannel that flows into the borrower's market.

Loan intermediaries mainly provide loan guarantees for small and medium-sized enterprises, including enterprise liquidity loan guarantees and personal business loan guarantees. , and can also provide investment and financing guarantees, performance guarantees, etc. The enterprise needs to provide the information required by the guarantee company, and the guarantee company will evaluate its solvency.

Extended data

Development trend and characteristics of loans;

1. The loan search platform is developing towards diversified financial services. Diversification, collectivization, relying on the long-standing vertical search mode of the loan industry, transformation and upgrading, credit card diversion, cash loan diversion, and even wealth management.

2. The mode of completely abandoning orders is developing towards the socialization of brokers. Completely abandoning orders, the platform profit model is single, and when the transaction volume is insufficient, it is not enough to make ends meet. Some platforms claim to have more than one million brokers, ranging from hundreds of thousands to hundreds of thousands, and the number of active users is unknown; Such platforms will focus on brokers and provide them with comprehensive services such as tools and social services.

This is the mortgage agency fee and mortgage agency introduced at the end of the year. I wonder if you found the information you need from it?