This is illegal. 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. 400,000 to collect 30,000 is definitely illegal.

Legal basis: Article 961 of the Civil Law of People's Republic of China (PRC), an intermediary contract is a contract in which the intermediary reports the opportunity of concluding 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.