Whether or not to charge a handling fee for a bank loan depends on the loan contract, and all the fees will be agreed 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.