The fees to be charged are: 1. Loan interest:

This is the most basic fee and one that everyone is familiar with. Interest is generally calculated on a daily basis.

However, the specific interest rate is not fixed and has a certain relationship with many aspects, such as the loan method chosen by the lender, whether it is a credit loan, mortgage loan, housing loan, or car loan, etc.; There is also the method of repayment, such as equal principal and interest, equal principal, etc., which are determined comprehensively.

2. Loan handling fee:

Not all bank loans charge interest, but are replaced by handling fees. In fact, they are equivalent to monthly interest, but most of them are credit card derivative loans. This charging method will be adopted.

Take the simplest example: Take the installment purchase of a car with a credit card. There is no interest for the installment purchase of a car with a credit card, but a part of the handling fee will be charged to the borrower.

3. Default fee:

This can actually be divided into two types of fees, one is the default fee after overdue, and the other is the default fee for early repayment. The charging standards are different. .

1) After the borrower obtains the loan, the borrower is still required to repay the loan on time. If the borrower fails to repay the loan on time, resulting in overdue repayment, the bank will determine the borrower's overdue payment. days to collect liquidated damages.

2) When a borrower applies for early repayment, the bank will also charge a certain amount of liquidated damages. Different banks have different charging standards, and the specific circumstances must be implemented according to bank regulations.

Extended information:

1. Whether bank loans require handling fees depends on the loan contract. All charges will be stipulated in the contract.

There is no need to pay fees that are not included in the contract.

Ordinary bank loans generally do not charge handling fees, only loan interest.

However, there may be some fees incurred during the loan application process.

For example, if you apply for a loan using a real estate mortgage, you may be charged: real estate appraisal fee and mortgage registration fee (no more now).

In addition, there are some special loans that will charge fees. For example, entrusted loans will charge entrusted loan handling fees, and syndicated loans will charge syndicated loan handling fees.

However, these charges will be clearly listed in the loan contract.

Therefore, whether a loan will charge a handling fee is not certain. It varies from loan to loan and is subject to the loan contract.