Any bank requires you to issue a certificate of no room. Others, such as buying a fund, the lender's insurance, or wealth management products, are all stipulated by the bank itself. Now you can find an institution specializing in bank loans, and these problems will help you solve. Besides, the address of your ID card is different from that of your household registration book. You can go to the police station to make changes. One more thing, if your ID address and household registration address are not in the same city, there is no need to bother.

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 also a cost.

Every company has its own cost, otherwise it can only lose money, just like a real estate agent, there is a handling fee. They help you choose the best plan instead of blindly looking outside, and 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.

Loan service fees are generally charged by banks, but they are also charged by third parties that help the loan business.

Loan service fees and charging standards depend on local conditions.

You don't have to pay this fee when you 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 appraisal fee (three thousandths of the appraised 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 various service organizations to provide small and medium-sized enterprises with 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 exhibitions, legal consulting and other services.

Have you ever heard that banks have to pay a loan line occupation fee before lending money?

Friend, you can't make money like this. What you pay is called the loan line occupation fee, and some are called the credit arrangement fee. In any case, all the banks ran out of money at the end of the year, so they charged these fees. Now that banks have relaxed, they don't charge these fees. There are many customers who are controversial about this fee, but there is no way. The bank's loan policy can be changed at any time, and documents can be issued or revoked at any time. I can't help it!

I bought a second-hand house in an agency. No one told me to pay the quota occupancy fee before. I signed the bank loan contract on August 30, and now I have to pay. Should I pay for it?

At present, many banks have this fee, mainly because under the current financial policy, banks have no more funds to issue loans, and many banks in many places have charged occupancy fees. However, the contract you signed on August 30 depends on whether the bank has started to charge this fee at that time. This fee can be charged by the bank, but it should be notified when signing the contract (or later). It seems that the maximum line occupancy fee is 4% or 4% of the loan amount. I can't remember clearly.