Loan costs. Credit loan refers to a kind of loan issued according to the credit status of the loan applicant, also called pure credit loan, which can be applied without providing any mortgage. The credit bank charges a service fee of 400 yuan a year, which is the loan fee, in order to recover a fee from the credit bank.

Why do you charge a loan service fee for a loan?

The loan service fee is charged because there is a handling fee in the middle, which is the fee paid after entrusting this company to help you with the loan.

There are two reasons:

1. The company develops various channels through manpower, including intermediate labor costs and channel maintenance costs.

2. Every customer has a cost, and the customer itself is a cost.

Every company has its own cost, otherwise it can only lose money, just like real estate agents, there is a handling fee. They help you choose the best solution, instead of just looking outside, and you may find higher interest. And entrusted, they can't eat your interest, they will only consider giving you the best and lowest interest plan, and the one that suits you is the best. Only when you earn a reputation can you develop better.

How much is the loan service fee?

Loan service fee refers to the fee charged when handling loan business, which is generally charged by banks, and the charging standard depends on local conditions.

The loan service fee is generally charged by the bank, but it is also charged by a third party that helps the loan business.

Loan service fees and charging standards depend on local conditions.

You don't have to pay this fee to apply for a provident fund loan, but you only need to pay a guarantee fee (three thousandths of the loan amount, with a minimum of 300) and a house evaluation fee (three thousandths of the evaluation value, with a minimum of 300 and a maximum of 1500).

Is the loan service fee legal?

Legal analysis: According to the relevant laws and regulations of our country, it is legal to charge the loan service fee, as long as it does not exceed the relevant standards.

Legal basis:

Article 46 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 service institutions to provide small and medium-sized enterprises with services such as entrepreneurship training and counseling, intellectual property protection, management consulting, information consulting, credit services, marketing, project development, investment and financing, accounting and taxation, property rights trading, technical support, talent introduction, foreign cooperation, exhibitions and legal consultation.

How much is the loan service fee?

Loan service fee refers to the fee charged when handling loan business, which is generally charged by banks, and the charging standard depends on local conditions.

The loan service fee is generally charged by the bank, but it is also charged by a third party that helps the loan business.

Loan service fees and charging standards depend on local conditions.

You don't have to pay this fee to apply for a provident fund loan, but you only need to pay a guarantee fee (three thousandths of the loan amount, with a minimum of 300) and a house evaluation fee (three thousandths of the evaluation value, with a minimum of 300 and a maximum of 1500).

Extended data

Applying for a loan directly from the bank will not charge the so-called loan service fee. When you apply for a loan, you usually need to pay a handling fee and interest. If you breach the contract during the loan process, you still need to pay liquidated damages, so you should pay attention when applying for a loan. General banks will only charge these three loan fees;

At present, some banks or lending institutions can make loans without interest, and they all earn interest by charging fees in disguise. The amount of loan interest also depends on the choice of loan individuals and products, loan channels and so on.

Loan service fees and charging standards depend on local conditions. You don't have to pay this fee to apply for a provident fund loan, but you only need to pay a guarantee fee (three thousandths of the loan amount, with a minimum of 300) and a house evaluation fee (three thousandths of the evaluation value, with a minimum of 300 and a maximum of 1500).