What are the charging standards for loan intermediary companies?

The country does not have clear legal provisions on intermediary fees, but the Shanghai Industrial and Commercial Bureau, Price Bureau, and Real Estate Bureau all have corresponding documents. Agency fee: Generally cash 1, loan 2. Loan service fee: 1% of turnover. Guarantee fee: Some intermediary companies charge an additional 0.5 transaction guarantee service fee, commonly known as "guarantee fee". The loan service fee does not exceed 300 yuan.

Charging Standards for Loan Intermediary Service Fees

The country does not have clear legal provisions on intermediary fees, but the Shanghai Municipal Administration of Industry and Commerce, Price Bureau, and Real Estate and Land Bureau have corresponding document provisions. . Intermediary fee: Generally, the intermediary fee is calculated as 1 for cash and 2 for loans. Loan service fee: charged based on transaction amount 1. Guarantee fee: Some intermediary companies charge an additional 0.5 transaction guarantee service fee, commonly known as "guarantee fee". The fee for agency loan service shall not exceed NT$300 per case.

The benchmark interest rate is a universal reference rate in the financial market. Other interest rate levels or financial asset prices can be determined based on this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the conditions of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates the macro economy. Objectively, a generally recognized benchmark interest rate level is required as a reference. Therefore, in a sense, the benchmark interest rate is the core of the interest rate marketization mechanism. To put it simply, if you usually deposit money in the bank, it will give you interest. The larger the base interest rate, the more interest; the smaller the base interest rate, the smaller the interest.

The occurrence of loan risks often begins during the loan review stage. From comprehensive judicial practice, it can be seen that the risks that arise during the loan review stage mainly occur in the following links. Omissions in the review content may lead to bank loan reviewers reporting that one loan has been omitted, resulting in credit risks. Loan review is a meticulous work that requires investigators to conduct systematic inspection and investigation on the qualifications, qualifications, credit, and property status of the loan subject. In practice, some commercial banks do not conduct due diligence, and the relevant loan review personnel often only focus on document identification and lack due diligence. In this way, it is difficult to identify fraud in loans and can easily lead to credit risks. Many erroneous judgments are caused by banks not taking expert opinions on the relevant content or letting professionals make professional judgments. During the loan review process, it is not only necessary to ascertain the facts, but also to make professional judgments on the relevant facts in legal, financial and other aspects. In practice, most loan review processes are not very rigorous and in place. Review the legal status of the borrower with respect to its legal establishment and continuing existence. If it is an enterprise, it should be examined whether the borrower is established in accordance with the law, whether it has the qualifications and qualifications to engage in relevant business, check the business license and qualification certificates, and pay attention to whether the relevant licenses have passed annual inspections or relevant inspections.

Loan intermediary charging standards

This is legal, but unreasonable. Loan agent fee 15. I think the fee is too high. However, loan agent fees are legal, not illegal. If he agrees to pay the fee, let him apply for the loan; if he doesn't agree, he will refuse to pay the fee and not lend.

The fees that lenders should bear when applying for loans are as follows:

1. Handling fee

At present, some banks will attract customers’ attention through interest-free loans, but in fact The above is to charge interest through handling fees;

2. Interest charges

The amount of interest depends on the bank chosen by the lender or the lender's personal loan conditions. Different banks charge different loan fees. If the lender has better conditions, the loan interest charged will be lower;

3. Liquidated damages

If an individual fails to repay on time when signing a loan contract with the bank, the bank has the right to Liquidated damages will be charged for the amount agreed upon in the signed contract.

This is the end of the introduction to loan agency fees and loan agency. Have you found the information you need?