There is no clear provision for paying agency fees. Generally speaking, the normal agency fee is between 3- 10.
The handling fee of the loan intermediary is determined according to the customer's city and personal qualifications. For example, in first-tier cities, the score is generally above 10, because customers only need to cooperate to provide information, and other things are handled by intermediaries, so the handling fee will be more expensive. Some intermediaries will also reduce the price by a few points to attract customers, so they are basically between 3- 10. Because the interest rate is relatively low, banks generally charge 5-8 points, while small loan companies generally charge 3 points. If your qualifications are poor, you may get more. Most of them are charged according to the quota. Many of them charge less than 200,000 yuan 10, and some charge as high as 20-30 points. 200,000-500,000 yuan, 5- 10; 500,000 to 6,543.8+0,000 generally receives more than 5 points, and 6,543.8+0,000 generally receives about 3 points.
First, the payment method of agency fees
1. Intermediary fees are generally collected by third parties such as intermediary companies. Unless they are not real landlords, they should not be paid to landlords, but attention should also be paid to hacking.
Generally, the agency fee is charged at one time, so be careful to ask for the invoice.
3. There is no written provision for the collection of housing agency fees.
Second, the agency fee charging standard
1. In general, if leasing, both parties have to pay half a month's rent to the third party. If you buy or sell, you will generally charge 2% of the total house price, and both parties will pay 1%. In the actual transaction, both parties can negotiate the proportion of their respective payments.
2. Housing agency fee charging standard
Real estate intermediary service fees shall be collected by real estate intermediary service institutions according to the charging standards, and invoices shall be issued to pay taxes according to law. Real estate intermediary service charges shall be clearly marked, and intermediary service institutions shall announce their charging items, service contents, charging methods, charging standards and other matters in a prominent position in their business premises or payment places.
3. Real estate consulting
It is divided into oral consultation fee and written consultation fee. The oral consultation fee shall be determined by both parties through consultation according to the time required for consulting services and the professional and technical level of consultants. The written consultation fee is charged according to the technical difficulty and complexity of the consultation report combined with the target amount. General consultation report, each charge is 300- 1000 yuan; For consulting reports that are technically difficult, complicated in content and consume a lot of manpower and time, the charging standard may be appropriately increased, but it shall not exceed 0.5% of the amount of the consulting target.
4. House price evaluation
, with the qualification of real estate appraisal and confirmed by the real estate administrative department, the price department charges according to the prescribed standards. Real estate price evaluation and general parcel evaluation mainly based on real estate adopt different fixed rates and progressive charges, that is, the rates and grades are divided according to the total real estate price, and the expenses of each file are calculated according to the file, and the cumulative sum of the expenses of each file is the total cost.
How much is the agency fee for bank loans legal?
General charges range from 3% to 9%.
The loan agency fee generally ranges from 3% to 9%. Generally speaking, when applying for loans from banks and online lending platforms, people rarely encounter loan agency fees and handling fees. If you find an intermediary to help you with the loan, you may have to pay the intermediary fee and handling fee.
Matters needing attention in the process of second-hand housing transaction
1, it's best for the three parties to meet and trade transparently.
Buying and selling houses is very complicated, so we should communicate with each other before the transaction. When trading, it is best for both the buyer and the seller and the intermediary company to meet, so as to make the transaction transparent and avoid being cheated.
2, don't meet also depends on the agency contract.
If you can't meet, you should also ask the intermediary company to issue an entrustment contract between the buyer and the seller. Entrustment contracts generally specify the price and the scope of rights of the agent, which is conducive to ensuring the interests of both buyers and sellers.
In addition, the intermediary company should be required to produce a series of certificates and clearly indicate the detailed personal information of both parties in the contract. If some clauses in the contract are found to be inconsistent, the buyer and the seller should consult all the questions before signing.
3, check the relevant documents, identify the real house.
For the seller, if the intermediary company makes a cash purchase, it must go through the corresponding transfer procedures to prevent the intermediary company from selling the house to earn the difference before going through the formalities.
As for buyers, we should be wary of fake houses, some of which are just owners, but not real owners. If the deposit is paid before checking the relevant documents and distinguishing the true and false landlord, the intermediary company falsely claims that the house has been sold, and the deposit will be difficult to return.
How much is the agency fee for bank loans legal?
There is no clear stipulation that agency fees are legal fees, as long as they do not exceed the standard, there will be legal support. Because there are some expenses in the process of loan, such as insurance premium, agency fee, handling fee, hospitality and so on. It is legal for a loan intermediary company to charge an intermediary fee, just like a housing intermediary, the intermediary fee for housing lease is legal.
Renting a house takes a lot of trips and time. Many people are exhausted and may not find a satisfactory house. Looking for an intermediary will help customers find it according to their needs. Usually, they only need to pay a month's rent to the intermediary, and they can have their own satisfactory house. Similarly, the agency fee of loan business also solves the problem for customers, saves time and cost, and avoids many risks.
Extended data
Borrower's requirements
1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)
2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.
3. The borrower's actual age and loan application period shall not exceed 70 years old.
Information to be provided by the borrower
1, ID cards of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.
2. Two copies of marriage certificate/divorce certificate or judgment/single certificate.
3. Proof of income (format stipulated by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
Charge standard of loan intermediary service fee
There is no clear legal provision on agency fees, but Shanghai Administration for Industry and Commerce, Price Bureau and Real Estate Bureau have corresponding documents. Agency fee: general cash 1%, loan 2%. Loan service fee: 65438+ 0% of the turnover. Guarantee fee: Individual intermediary companies charge an additional 0.5% transaction guarantee service fee, commonly known as "guarantee fee". Charge for agency loan service, with the maximum not exceeding 300 yuan.
The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates macroeconomics. Objectively, a universally recognized benchmark interest rate level is needed as a reference. Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism. Simply put, you usually deposit money in the bank and he gives you interest. The greater the benchmark interest rate, the more interest; The smaller the benchmark interest rate, the smaller the interest.
The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links. The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk. Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place. Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.