I borrowed 100,000 yuan, is it reasonable for the intermediary to charge a service fee of 3 points? Applying for a loan from a bank is not an easy task. Many banks have relatively high qualification requirements for borrowers. Especially if a borrower wants to apply for a large loan, the approval time may take about one month. The borrower found an intermediary agency and applied for a loan of 100,000 yuan. The intermediary requested a 3-point service fee. The 3-point service fee is actually 3% of the loan amount. Calculated, it is 3,000 yuan. For a loan of 100,000 yuan, the service fee is 3,000 yuan. In the loan intermediary market, it is not very high, but it is not low either, and it is at a medium level. According to regulations, the service fee charged by intermediaries cannot exceed 12% of the loan amount. A service fee of 3% is quite reasonable.
Can I not pay the loan service fee? When intermediaries help borrowers apply for loans, they usually sign relevant contracts, which will include relevant details based on the loan service fee. If a borrower refuses to pay the loan service fee after successfully applying for a loan, it is a breach of contract, and the intermediary agency can sue the borrower. If it's not expressly stated in the contract, you don't have to pay. However, borrowers need to be careful. If they charge handling fees before the loan is successfully processed, they need to be cautious. Because not all intermediaries are formal institutions, formal institutions should hold relevant qualification certificates and have certain cooperation with banks. Some intermediaries are just there to earn a service fee and have no ability to help borrowers apply for loans. The above is the relevant content sharing about "I borrowed 100,000 yuan and the intermediary charged 3 points for service fee". I hope it can help everyone!