Strictly speaking, this handling fee is called service fee, which is more reasonable and legal, because others don't understand the procedure of lending money, so it is normal and legal for you to handle it on your behalf. Generally, there are few large loans, such as1100,000120,000, and 10' s 30,000-50,000. It must be illegal to charge 40 thousand for 200 thousand.
First of all, from a legal point of view, the loan agency fee is legal. Article 40 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 social intermediary agencies to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises. Intermediary fees are legal fees, and the law will support them as long as they do not exceed the standard.
Because there are some expenses in the loan process, such as insurance premium, agency fee, license fee, entertainment fee, etc. It is legal for a loan intermediary company to charge agency fees. A professional loan intermediary knows very well what information the institution needs to prepare and what conditions it needs to meet. When he communicates with you, he will ask you to prepare any information according to your situation, and even properly package it for you.
Please remember that the proper packing mentioned here is not fake. Generally speaking, it can help you avoid some misunderstandings and loan rejection caused by 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:
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
"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 within a predetermined period of time or realize it quickly without loss of land, so as to meet the demand of customers for withdrawing deposits at any time;
3. Efficiency is the basis of sustainable operation of banks. For example, if long-term loans are issued, the interest rate is higher than short-term loans, and the efficiency is good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and the loan can be without problems.
Avoiding risks: Private lending is an informal credit model in China's credit system. Due to the lack of certain supervision, there are certain risks in this way. 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, those who seek usury must be severely cracked down and banned to 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 existing 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 provide them by itself.