Legal analysis: the loan service fee is the fee incurred when handling procedures for some customers with loan needs. When handling the second-hand housing mortgage, customers have to deal with the personnel of banks, lawyers and evaluation agencies, but if they are represented by intermediary companies, they will avoid running around by themselves. To put it bluntly, the loan service fee is "running errands". 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. For example, real estate, real estate brokerage fees are charged according to different projects. The agency fee for house sales is charged at 0.5%-2.5% of the total transaction price. For the sole agent, the charging standard may be appropriately increased after consultation between the entrusting party and the real estate intermediary agency, but the maximum is not more than 3% of the transaction price.

Legal basis: People's Republic of China (PRC) Commercial Bank Law.

Article 6 Commercial banks should protect the legitimate rights and interests of depositors, and no unit or individual may infringe upon them.

Article 7 Commercial banks should strictly examine the credit standing of borrowers when conducting credit business, so as to ensure the timely recovery of loans. Commercial banks recover the due principal and interest of loans from borrowers according to law, which is protected by law.

Article 8 Commercial banks shall abide by the relevant provisions of laws and administrative regulations when conducting business, and shall not harm the interests of the state and society.

Article 9 Commercial banks shall follow the principle of fair competition in their business and shall not engage in unfair competition.