Hello, darling

1. 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.

The loan service fee is generally charged by the bank, but it is also charged by a third party that helps the loan business.

Loan service fees and charging standards depend on local conditions.

You don't have to pay this fee to 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 evaluation fee (three thousandths of the evaluation value, with a minimum of 300 and a maximum of 1500).

Second, is it illegal to charge service fees for loans?

If it is simply a direct bank loan, there is no service charge; But from a legal point of view, the loan agency fee is legal.

The agency fee is a legal fee, and the law supports it as long as it does not exceed the standard. The company's income, that is, the cost of your loan, is mainly reflected in the interest rate level, and the service fee can be ignored.

Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises: The state encourages all kinds of social intermediary institutions to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises. The agency fee is a legal fee, and the law supports it as long as it does not exceed the standard.

3. Do I have to pay the loan service fee after paying the agency fee?

The agency fee is the cost of providing customers with a series of services such as housing information, house viewing, negotiation and signing contracts;

The loan service fee is the fee incurred when handling the formalities 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".

At present, the charging standards and detailed rules for loan service fees are still blank. Consumers Association real estate professionals said that the lack of legal vacuum of loan service fees should be incorporated into the legal system as soon as possible.

In the specific implementation process, we should also publicize the rationality of this charging standard. After determining the specific charging standards, we also need to explain the specific charging standards to consumers when handling business.

2. What is the loan service fee?

The financial service fee originally refers to the service fee and transaction fee that financial institutions need to charge during the loan process. However, it should be noted that when buying a car, no matter whether it is a loan or a full car, there is no provision for charging financial service fees! Therefore, when buying a car, you must ask the details of various charges, so as not to be cheated by black-hearted merchants to spend more money!

3. What is the loan service fee, and what is it generally?

When handling loan business, the fee charged is called loan service fee. Generally, it is a bank collection, and there are also third-party collections that help the loan business. The loan service fee, depending on the local use, only needs the guarantee fee (three thousandths of the loan amount, with a minimum of 300) and the house appraisal fee (three thousandths of the appraised value, with a minimum of 300 and a maximum of 1500).

4. What is the loan service fee?

To put it bluntly, it is the agency fee. Put it another way.