Legal analysis: the loan premium is unreasonable. The loan contract is a civil contract. As long as it does not violate the mandatory legal provisions, it shall be subject to the agreement of both parties. Therefore, whether to pay the lawyer's fees and insurance premiums can be determined through consultation, and it is not mandatory. If negotiation fails, you can refuse to sign a loan contract, but once a loan contract is signed, the agreement in the contract will be protected by law. Credit insurance can solve the urgent need of loans. With personal credit, you can get a small consumer loan from the bank within 3 to 5 working days, without mortgage or guarantor. This is the direct function of credit insurance loans.

Legal basis: Article 3 of the Law of the People's Republic of China on the People's Bank of China stipulates that the issuance and use of loans shall comply with national laws, administrative regulations and administrative regulations issued by the People's Bank of China, and follow the principles of efficiency, safety and liquidity.