I borrowed 65438+100000 from the intermediary. Is the service charge at three high? It is not easy to apply for a loan in a bank. Many banks have higher qualifications for borrowers. Especially if the borrower wants to apply for a large loan, the approval time may take about one month. The borrower found an intermediary and applied for a loan of 654.38 million yuan. The intermediary requires a 3-point service fee.

The 3: 00 service charge is actually 3% of the loan amount, which is 3,000 yuan. The loan is 654.38 million yuan and the service fee is 3,000 yuan. In the loan intermediary market, it is not very high, but it is not low, and it is at a medium level. According to the regulations, the service fee charged by the intermediary agency cannot exceed 12% of the loan amount, and the service fee of 3% is reasonable.

I borrowed 65438+100000 from the intermediary, and charged 3 points for the service. Do you need to pay a large service fee in advance? Some loans are repaid in advance, and another is repaid after the loan. There will be a * * * account to maintain the frozen funds of this service fee, but a smaller loan company may pay the service fee in advance and then apply for a loan directly. This can be communicated.

Is it true that the intermediary said that you can apply for an emergency loan? In fact, the bank's loan order is arranged according to the loan approval, and there is no urgent acceptance of such things. After the borrower handles the mortgage loan, it is best not to easily believe the "urgent loan" in the intermediary's mouth, because such an intermediary may make false promises to the borrower and charge high fees.

If the real estate developer tells the borrower that it can speed up the loan, it may be because the developer has a long-term cooperative relationship with the bank, and the bank will give priority to the developer's customers. General intermediary companies do not have this authority.

Generally speaking, banks have strict rules on lending process and lending time, which generally need to go through five stages of audit, so it is difficult to intervene artificially.