Generally speaking, if you just borrow from the bank, there will be no service charge. From a legal point of view, it is legal to charge an intermediary fee for a loan as long as it does not exceed the standard. According to Article 46 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises, we can know that the state encourages various service organizations to provide small and medium-sized enterprises with services such as entrepreneurship training and counseling, intellectual property protection, management consultation, information consultation, credit service, marketing, project development, investment and financing, accounting and taxation, property right transaction, technical support, talent introduction, foreign cooperation, exhibition and legal consultation.
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.
The agency fee for loan business also needs to consider whether it solves the problem for you, which helps you save time and cost and avoid many risks. If the applicant doesn't understand the loan process and applies on his own, you will find it easy to hit a wall everywhere, because you have to wait in line before consulting, especially the very official communication mode of the bank, which is difficult for many people to find out in one communication. When you find and prepare the materials, you will find that there are many unsatisfactory places in the materials. You have been running around for more than half a month for the loan intermediary that could have been settled at one time.
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 what information to prepare according to your situation. At the same time, he will tell you a lot of precautions after the application, thus greatly improving the efficiency of the application.
There are many kinds of loan products. Do you know which one suits you? But the intermediary knows that they have a lot of resources, from thousands to millions, and the interest is from a few cents to a few cents. ...
When you apply for a loan, a professional intermediary will match the best financing plan for you, and choose the products with the lowest interest rate to combine according to your actual situation, so as to minimize the interest. After all, this is what he has to do.
Therefore, the value of intermediary deposit lies in the "nanny-style" service, which gives you clear information and allows you to get it done at one time. Don't worry about anything else. As long as there is a product suitable for you, just sit and wait for the signature, and all the "running errands" work agents will help you get it.