Yes, you don't need to pay a penny in advance, but you can always teach yourself how to operate it.

The second is online, and the early stage is also free. How did they lie? They don't charge any fees, not up front.

First of all, your mind is a dead end. When you believe it, he will remind you to apply for a card first, and then if you are cheated, their next step is to ask you to provide a condition that can prove your ability to repay the loan. If you don't, they will introduce you to an intermediary company and ask you to find them to help you open a certificate. The materials they need may cost you extra money. In short, just don't believe it casually. There is nothing free in this world.

3. Is there an intermediary that does not need upfront fees for online loans?

Generally, there is no charge in the early stage of the loan, and a service fee is charged in the later stage.

Fourth, how do loan intermediaries talk about handling fees?

The maximum shall not exceed 3% of the transaction price. Loan business is divided into mortgage loan, secured loan, credit loan, mortgage loan, etc. The charging standard of each business is different. For example, the agency fee for the sale of houses is charged at 0.5%-2.5% of the total transaction price. If the intermediary is the sole agent, the service fee shall be negotiated by the buyer and the seller, and the maximum charge shall not exceed 3% of the transaction price.