The loan service fee is charged because there is a handling fee in the middle, which is the fee paid after entrusting this company to help you with the loan.
There are two reasons:
1. The company develops various channels through manpower, including intermediate labor costs and channel maintenance costs.
2. Every customer has a cost, and the customer itself is a cost.
Every company has its own cost, otherwise it can only lose money, just like real estate agents, there is a handling fee. They help you choose the best solution, instead of just looking outside, and you may find higher interest. And entrusted, they can't eat your interest, they will only consider giving you the best and lowest interest plan, and the one that suits you is the best. Only when you earn a reputation can you develop better.
How much is the loan service fee?
Loan service fee refers to the fee charged when handling loan business, which is generally charged by banks, and the charging standard depends on local conditions.
The loan service fee is generally charged by the bank, but it is also charged by a third party that helps the loan business.
Loan service fees and charging standards depend on local conditions.
You don't have to pay this fee to apply for a provident fund loan, but you only need to pay a guarantee fee (three thousandths of the loan amount, with a minimum of 300) and a house evaluation fee (three thousandths of the evaluation value, with a minimum of 300 and a maximum of 1500).
Is the loan service fee legal?
Legal analysis: According to the relevant laws and regulations of our country, it is legal to charge the loan service fee, as long as it does not exceed the relevant standards.
Legal basis:
Article 46 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises
The state encourages all kinds of service institutions to provide small and medium-sized enterprises with services such as entrepreneurship training and counseling, intellectual property protection, management consulting, information consulting, credit services, marketing, project development, investment and financing, accounting and taxation, property rights trading, technical support, talent introduction, foreign cooperation, exhibitions and legal consultation.
Why do loans always have to be activated? The reason turned out to be like this.
There are many loan platforms in the market, but not all of them are formal. Don't touch some platforms that ask borrowers for money for various reasons. For example, some people always want to know the reason when they borrow money, so why does the loan always have to be activated? Let's analyze it for everyone.
Why do loans always have to be activated?
The borrower is likely to encounter an informal platform, because the formal platform is not allowed to charge the borrower for any reason before the loan, although there will be fees such as interest and handling fees during the loan process, which will not be charged until the loan is repaid, and the amount charged is the same as the application amount.
And if the borrower is required to pay the activation amount before the loan starts, be sure to be vigilant. This is one of the fraudulent means of many routine loans. It is also common to let the deposit be paid and the thawing fee be thawed. As long as it's pre-loan payment, don't believe it easily.
Because even if the money is paid, the loan will not be 100% successful, and other fees may be paid. If you don't want to pay money, or don't want to continue the loan after paying money, the so-called loan platform customer service will not pay back the money, but repay it on the grounds that the money has been signed, otherwise it will bear the responsibility for breach of contract.
In fact, borrowers need not be afraid. As long as you encounter a liar platform and collect enough evidence, you can sue the other party. If you are cheated after paying the money, you must call the police. Even if they can't recover the money, they can at least help the public security organs solve the case and let more people avoid being cheated.
The above is the related introduction of "Why do you always have to pay money to activate a loan?" I hope it will help everyone.
Why should Jingdong Financial Loan be paid first?
Jingdong Finance has a variety of products, including white bars, funds, gold bars and other products, and its business covers four major sectors: wealth management, lending, insurance and installment. Jingdong financial loan can only be loaned if it is repaid first. Probably a liar. The formal loan platform will only charge legal loan interest, and the borrower will not be required to pay any fees in advance before the loan arrives. So when you encounter a loan, you must pay a penalty first. Generally an informal platform.
A formal loan platform approved by the CBRC and holding a financial license will not require the borrower to pay any fees, liquidated damages and other fees before the loan arrives. Therefore, in this case, we must be vigilant and cautious to avoid being deceived. No matter whether the other party says that the loan funds are frozen, or the platform needs to pay the loan deposit to prevent default, pay the membership fee and other fees, don't believe that once the user pays the money, the money paid before will not be returned whether it is received or not. This fee is also known as the "beheading interest" charged by the loan platform.
Therefore, in order to avoid their own financial losses, it is suggested that borrowers can change to a loan platform. There are countless loan platforms now, such as Alipay's borrowing, micro-loan and bank loan. In addition, if the loan is cheated, the borrower can collect relevant financial evidence to report the platform to the Internet Finance Association, and can also report the case to the police station with other victims.
To sum up, with the loan business market getting better and better, more and more enterprises begin to expand the field of financial loans. Therefore, when choosing a loan platform, it is suggested that it is best to choose institutional loans with high visibility, good reputation and large platform. Although the interest rate may be higher, the funds are more reliable and safer. All of the above are about "Why should Jingdong Financial Loan be repaid first? Is Jingdong Financial Loan Reliable? " I hope it helps you.
Why should I pay the service fee before applying for a loan?
Because there is a handling fee in the middle, which is the fee paid after entrusting this company to help you with the loan.
There are two reasons:
1. The company develops various channels through manpower, including intermediate labor costs and channel maintenance costs.
When we are looking for a loan, we not only want to find a safe and reliable platform, but also want to find a platform where the next payment is immediate and the threshold is not so high. Otherwise, our conditions may not pass. Don't worry, the following new loan requirements can meet you. Let you return to these formal platforms without being attracted by routine loans on the road of borrowing.
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1. Is it true that the loan platform requires payment of service fees before lending?
In this case, you mean that you have to pay the other party's service fee or handling fee first, and then the other party lends you the loan. As soon as you hear that the loan platform needs to pay, this thing is fake. You don't need to pay any money for a real big platform loan. He will write down your requirements clearly. Who do you have a loan relationship with? How much is the interest?
Interest is calculated by the day, by the month, or by the year, but interest is not a handling fee, so stay away from such a platform.
Second, I just got a loan online, and he asked me to open a membership. Is it true?/You don't say.
This is a regular loan. Generally speaking, there are two stages: the stage of forming false creditor's rights and debts through routine loans and the stage of collecting debts through diversified means. The first stage is the core practice of routine loan. Many victims have paid off their false debts without urging, but this does not affect the establishment of fraud crimes. Whether the means of debt collection in the second stage is illegal is not the judging factor of "routine loan".
Just don't be too nervous about whether the behavior in the first stage needs overall evaluation or * * * evaluation. It is recommended to contact professionals in time.
Third, is the loan open member credible?
If the loan provides membership service, but the membership service does not promise that the user will pay, but only for ordinary users, the member users can get certain discounts, and such members can be trusted.
However, it is false propaganda for loan members to publicize that they have to pay for opening members. Usually, after the user pays the membership fee, the user still can't successfully withdraw the cash, and such a member is not credible. For the loan that users apply for, if there is membership service, users must find out the rights and interests provided by members. Please don't blindly open members.