The charge is: 1. Loan interest:

This is the most basic and familiar expense. Interest is usually calculated on a daily basis.

However, there is no fixed standard for specific interests, which has a certain relationship with many aspects. For example, the loan method chosen by the lender is credit loan, mortgage loan, mortgage loan or car loan. There is also the repayment method, such as equal principal and interest, average capital and so on. This is comprehensively determined.

2. Loan fees:

Not all bank loans will charge interest, but no handling fee, which is actually equivalent to monthly interest, but most credit card derivative loans will adopt this charging method.

Take the simplest example: in the case of buying a car by installment with a credit card, there is no interest on buying a car by installment with a credit card, but a part of the handling fee will be charged to the borrower.

3. Default fee:

In fact, this can be divided into two kinds of fees, one is the liquidated damages after overdue, and the other is the liquidated damages for early repayment, with different charging standards.

1) After the borrower obtains the loan, it still needs the borrower to repay the loan on time. If the borrower fails to repay the loan on time, resulting in overdue repayment, the bank will charge liquidated damages according to the number of days the borrower is overdue.

2) When the borrower applies for early repayment of the loan, the bank will also charge a certain amount of liquidated damages. The charging standards of different banks are different, and the specific situation needs to be implemented in accordance with bank regulations.

Extended data:

1. Whether or not to charge for bank loans depends on the loan contract, and all charges will be stipulated in the contract.

You don't have to pay the fees not included in the contract.

Ordinary bank loans generally do not charge fees, only loan interest.

However, in the process of handling the loan, there may be some expenses.

For example, mortgage loans may be charged: real estate appraisal fee and mortgage registration fee (not charged now).

In addition, some special loans will charge fees, such as entrusted loans and syndicated loans.

But these expenses will be clearly listed in the loan contract.

Therefore, it is uncertain whether the loan will be charged a handling fee. Every loan is different, and the loan contract shall prevail.

Is there a service charge for bank loans?

There is a service charge for bank loans. 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 fees charged by intermediaries are definitely higher, but each intermediary is different. 1500 should be the loan guarantee fee he gave you, and the evaluation fee should be paid to the evaluation company that cooperates with him and collected with them. You can ask the intermediary for details.

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

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.

Extended data:

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.

Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of bill discount, credit account and overdraft account.

What are the expenses involved in applying for individual housing loan from China Bank?

Expenses involved in applying for individual housing loan from China Bank:

At present, the expenses that may be involved in applying for individual housing loan from China Bank include mortgage registration fee, guarantee fee and evaluation fee.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.

What fees do banks need to pay for mortgage loans?

Banks need to pay for housing loans:

1. Cost: 100 Yuan.

2. Notarization fee: 300-600 yuan.

3. Appraisal fee: 1.5 to three thousandths.

4, mortgage to buy a new house needs to pay deed tax.

5. Provident fund loans In some areas, in order to avoid risks, the provident fund management center charges a certain guarantee fee and transfers the loan guarantee responsibility to the guarantee company.

Interim Measures for the Administration of Personal Loans

Rule number one In order to regulate the personal loan business behavior of banking financial institutions, strengthen the prudent management of personal loan business, and promote the healthy development of personal loan business, these Measures are formulated in accordance with the Banking Supervision Law of the People's Republic of China and the People's Republic of China (PRC) Commercial Bank Law.

Article 2 People's Republic of China (PRC) and banking financial institutions established in China with the approval of China Banking Regulatory Commission (hereinafter referred to as lenders) shall abide by these Measures when engaging in personal loan business.

Article 3 The term "personal loans" as mentioned in these Measures refers to loans in local and foreign currencies issued by lenders to qualified natural persons for personal consumption, production and operation.

Article 4 Personal loans shall follow the principles of compliance with laws and regulations, prudent operation, equality, voluntariness, fairness and good faith.

Article 5 Lenders shall establish an effective whole-process management mechanism for personal loans, formulate loan management systems and operating procedures for each loan type, define the corresponding loan objects and scope, implement differentiated risk management, and establish an assessment and accountability mechanism for each operation link of loans.

Extended data:

Information required for mortgage loan:

1. Letter of Intent for House Purchase signed by the Borrower and the Seller, receipt of over 30% house payment or other supporting documents.

2. Valid identity documents of the borrower's husband and wife, proof of marital status, household registration book, income certificate and half-year bank account.

3. Proof that the property owner is willing to mortgage the property.

4. Other materials deemed necessary by the lending bank.

5. If the borrower is a legal person, it shall carry a valid business license of enterprise legal person or business license of enterprise legal person, identity certificate of legal representative, financial statements and loan card. If it is a joint-stock enterprise, it is also necessary to provide the articles of association and the mortgage certificate of the board of directors.