The loan company will vary according to the loan amount and the difficulty of funding. Regular loan companies generally charge about 1~3 points.

1. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Second, the risk review of microfinance

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.

(1) The loan examiner of the bank was omitted from the review content, 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.

(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

(3) 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.

Third, the legal content of the pre-loan investigation

(1) 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 established according to law, whether it has the qualification and qualification to engage in relevant business, and check the business license and qualification certificate, and pay attention to whether the relevant certificate has passed the annual inspection or relevant verification.

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

How much is the service fee for the loan intermediary at 3 points?

The three points of the intermediary service fee of the loan are the loan amount multiplied by 0.03, and the service fee of the loan 1 10,000 is 300.

Xi' an Mercedes-Benz female car owner refunded the service fee.

June 19, 1 1, 62 days after climbing the hood of Mercedes-Benz, Wang Qian (pseudonym) brought back a new car from a Mercedes-Benz 4S shop. In addition, Wang Qian told Red Star News that the service fee of 1.5 million yuan that she was charged had also been refunded after being concerned by public opinion.

Sharla Cheung, chief economist of the Taxation Bureau of Xi Hi-tech Industrial Development Zone, once said that the "financial service fee" paid by Wang Qian was actually collected by the staff of a third-party company A stationed in a shop in 4S. According to the Prepayment Service Agreement signed between the female car owner and B Sheng Automobile Trading Co., Ltd., a loan of 4 19 1600 yuan was approved, of which 3% was12,575 yuan.

Law enforcement departments investigated and dealt with the illegal acts of B Automobile Trading Co., Ltd. suspected of infringing consumers' rights and interests.

At present, almost all 4S stores that provide financial loans to consumers will charge financial service fees with different amounts. At present, the general charging standard of "financial service fee" in the market is about 2% of the loan amount, but many 4S stores charge about 4%, ranging from several thousand yuan to ten thousand yuan.

Extended data:

The financial service fee in the market has become a "semi-open rule". Generally, the charging standard of each brand is about 2% of the loan amount, but many 4S stores are different, and many of them charge about 4%, ranging from several thousand yuan to ten thousand yuan. Another car salesman also confirmed that some 4S stores can get 50% of the financial service fee, so the salesman will try his best to persuade all customers to make mortgages, and there is also a set of rhetoric.

This cost exists in the distribution links of many brand manufacturers. "Conscious" merchants will mark the "existence" of this fee in the corner with extremely small words on the poster in the 4S shop window. According to relevant media reports, there are three kinds of financial service fees, namely domestic cars, joint venture cars and imported cars. Domestic cars are generally less than 65,438 yuan, and like joint venture cars, they are all about 3,000 yuan.

About 200,000 cars are generally subject to the service point. For example, if your loan is 654.38+ 10,000 yuan, you can charge a few points according to 654.38+ 10,000 yuan. If the car is imported, that point will be higher than the joint venture car of more than 200 thousand. The collection of financial service fees is unfounded and unreasonable; Through WeChat transfer, the actual income of this 4S store was not recorded, which was suspected of tax evasion.