What do you mean before lending?
The meaning of pre-lending is relatively broad, which can refer to all fees before lending, and can also refer to some handling fees.
1. If you apply for a loan from an intermediary company, you will be charged some fees in the early stage. There are provisions in the law to support intermediary matching services (that is, loan intermediaries), but the premise is that it is formal and legal, and you cannot provide value-added services, directly or indirectly raise funds, or illegally raise funds. If the law is violated, the borrower can collect evidence to report the complaint.
2. Mortgage, guarantee, pledge, pawn and other loan methods will generate certain expenses because of the need to evaluate assets. This upfront fee is generally borne by the borrower and is legal. The formal loan platform will inform you in advance. If the borrower is not sure, you can consult a professional.
3. As an important loan type, mortgage needs to pay some fees in the early stage, such as deed tax, property management fee, ownership registration fee, transfer fees, down payment, housing area compensation, etc. The specific expenses will be written in the contract.
4. Illegal accusation. Nowadays, many fraud gangs, wearing the cloak of credit loans, take advantage of the borrower's eagerness to borrow money, claiming that they can pay as long as they pay membership fees, handling fees, management fees, credit information fees, packaging fees, information fees and so on. As a result, the borrower has already run away after paying the fee.
In short, in the loan industry, the water is particularly deep. Some upfront fees must be paid, while others are the routine of fraud gangs. It is best to choose a formal and legal platform to borrow money, and consult professionals first for uncertain expenses.