This is illegal.
Strictly speaking, this method, because others don't understand the procedure, it is normal and legal for you to handle the loan and collect the service fee on your behalf. Generally, there are few large loans, such as1100,000120,000, and 10' s 3-5,000. 200 thousand is legal
First of all, from a legal point of view, the loan agency fee is legal. Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises Article 40 The State encourages all kinds of social intermediary agencies to provide information consultation, investment and financing services for small and medium-sized enterprises. Intermediary fee is legal fee.
It is legal for a loan intermediary company to charge agency fees, because there are indeed handling fees and entertainment fees during the loan process. A professional loan intermediary knows very well what information the institution needs to prepare, what conditions it needs to meet, what information it needs to prepare with you, and even what you said about proper packaging is not false. Some people refuse to lend because of misunderstanding and lack of information. At the same time, you will be informed of many matters needing attention after application, thus greatly improving the application efficiency.
Extended data:
Loans are the form of activities such as bank interest rates and must be returned. Loans in a broad sense refer to loans and discounts? Putting centralized money and monetary funds out through loans such as overdraft can meet the needs of society to expand reproduction and replenish funds, and banks can also obtain loan interest income from it and increase their own products.
"Three natures" refer to safety, liquidity and efficiency, which are the basic principles of commercial banks' loan operation. Article 4 of the Law of People's Republic of China (PRC) Commercial Bank stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves in accordance with the principles of safety, liquidity and efficiency."
1, loan security is the primary problem faced by commercial banks.
2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without losing ground, so that customers can withdraw the loan at any time.
3. Efficiency is the basis of sustainable operation of banks. For example, if loans are issued, the benefits will be good, but if the loan term is long, the risks will increase, the security will decrease and the liquidity will weaken. Therefore, risks should be avoided in the "three natures": private lending is an informal credit model in China's credit system, which has certain risks due to the lack of certain supervision. How to scientifically and effectively reduce this loan risk?
We can do our homework from the following aspects:
1, we must strictly review the market access mechanism and review the qualifications of some private lending institutions. Private banks with certain funds that can operate according to law can be exclusively owned by private financial institutions within a certain period of time; On the other hand, we must give a clear blow and ban to those who seek it, and maintain a good financial order.
2. Interest rate management of private lending should be more transparent. To standardize this kind of private lending, we should fully consider the lending demand and incorporate it into our effective management methods, which can fluctuate according to the requirements of the lender's qualification level and use some market competition to promote the development of lending norms.
3. Introducing loans into the real economy, people have a lot of capital, so where do they need to go? But we also need to enter the cycle of the real industry, so as to promote the sustainable development of the real economy. Instead of just wandering around as some free capital, it is better to use it legally and normatively.
4. The flow of private lending funds needs to be strengthened and effectively managed. It is necessary to set up some special supervision institutions to supervise their lending behavior, monitor and manage funds, establish perfect, sound and scientific import statistical monitoring indicators, and conduct necessary supervision and guidance on the flow and investment of some private lending funds to prevent some private mortgage loans from being everywhere.
5. Many intermediaries or "employers" of private equity funds are fake, and these fake intermediaries usually make customers spend a lot of designated items to defraud them, including the cost of issuing evaluation reports and due diligence lawyer fees. If the above documents and legal acts are needed, the entrusting party must issue them by itself.
Second, is it legal to borrow 40,000 to 27,000 yuan?
Illegal. According to the question: It is illegal to hit 40,000 IOUs and get 20,000, which belongs to it. Refers to private loans that require extremely high interest rates. The interest rate is usually determined by the borrower and the borrower through consultation, but the interest rate determined through consultation between the two parties shall not exceed 4 times (excluding floating) the loan interest rate of financial institutions at the same period and at the same level announced by the People's Bank of China. Those who exceed the above standards should be defined as high-interest lending.
Third, I borrowed 40 thousand yuan to get 27 thousand yuan. After a month, I will repay 40 thousand yuan. The interest reaches 3. ...
Claims with interest can be made in litigation and will be judged according to the deposit interest rate of the bank at the time of loan formation.