The guarantee fee is generally 3% of the loan amount, and the guarantee company also wants the enterprise to pay the deposit, which is about 20% of the amount. The amount of interest rate floating in the bank will be charged in the name of wealth management fee, etc. In addition, you may be required to buy insurance, fund or gold, and even ask you to open a full acceptance after the loan is released. Banks are also enterprises that want to make profits.

Second, how does the guarantee company charge?

The fees charged by guarantee companies are charged according to different guarantee amounts. Generally, the annual fee is 5% for those below 5 million yuan, and 4% for those between 5 million yuan and 1000 yuan. In specific cases, the annual fee can be handled by both parties through negotiation.

1. What are the charging regulations of the guarantee company? 1, the guarantee amount is less than 5 million yuan, and the annual guarantee rate is 5%; 2. The annual guarantee rate is 4% for the part with a guarantee amount of more than 5 million yuan and less than10 million yuan; 3. For the part with a guarantee amount of more than10 million, the annual guarantee rate is 3%; 4. If the guarantee fee is less than 2,000 yuan according to the above rate, it shall be charged at no less than 2,000 yuan; 5. The guarantee fee shall be paid to the guarantee company once by the borrowing enterprise after all the formalities are completed. Ii. Provisions of the Civil Code on Security Article 386 The holder of the security interest shall have the right of priority in compensation for the secured property according to law in case that the debtor fails to perform the due debts or the parties agree to realize the security interest, except as otherwise provided by law. Article 387 Where a creditor needs security in order to guarantee the realization of his creditor's rights in civil activities such as borrowing, buying and selling, he may establish a security interest in accordance with the provisions of this Law and other laws. If a third party provides a guarantee for the debtor to the creditor, it may require the debtor to provide a counter-guarantee. The provisions of this law and other laws shall apply to counter-guarantee. Article 388 To establish a security interest, a security contract shall be concluded in accordance with the provisions of this Law and other laws. Guarantee contracts include mortgage contracts, pledge contracts and other contracts with guarantee functions. The guarantee contract is a subsidiary contract of the principal creditor's rights and debts contract. If the principal creditor's rights and debts contract is invalid, the guarantee contract is invalid, except as otherwise provided by law. After the guarantee contract is confirmed to be invalid, if the debtor, guarantor and creditor are at fault, they shall bear corresponding civil liabilities according to their faults. Article 389 The scope of guarantee of a security interest includes the principal creditor's right and its interest, liquidated damages, damages, expenses for keeping the secured property and realizing the security interest. Unless otherwise agreed by the parties, such agreement shall prevail. Article 390 During the guarantee period, if the secured property is damaged, lost or expropriated, the holder of the security interest may be given priority in compensation for the insurance money, compensation or compensation. If the performance period of the secured creditor's rights has not expired, the insurance money, compensation or compensation can also be deposited. Article 391 Where a third party provides a guarantee and the creditor allows the debtor to transfer all or part of the debt without its written consent, the guarantor shall no longer bear the corresponding guarantee liability. Article 392 Where the secured creditor's right is guaranteed by both things and others, the creditor shall realize the creditor's right in accordance with the agreement if the debtor fails to perform the due debt or the parties agree to realize the security right; If there is no agreement or the agreement is not clear, and the debtor provides the guarantee of the thing himself, the creditor shall first realize the creditor's right on the guarantee of the thing; Where a third party provides a guarantee for the property, the creditor may realize the creditor's right on the guarantee for the property, or may request the guarantor to assume the guarantee responsibility. The third party providing the guarantee shall have the right to recover from the debtor after assuming the guarantee responsibility. Article 393 The security interest shall be extinguished under any of the following circumstances: (1) The principal creditor's rights shall be extinguished; (2) Realization of security interest; (3) The creditor waives the security interest; (4) Other circumstances in which the security interest is extinguished as stipulated by law. The above is the specific situation of the fees charged by the guarantee company, and the handling of related matters needs to be strictly based on the actual guarantee behavior and related responsibilities, especially the specific scope of the fees charged by the guarantee company, and it needs to be legally determined and handled by both parties through consultation according to the guarantee matters and related guarantee methods.

Third, how does the guarantee company charge the guarantee fee

Generally, the percentage of the guarantee amount is charged, depending on the car loan, mortgage loan or business loan. Generally, it ranges from 1% to 3%.

4. How do the guarantee companies charge?

There is no quantitative regulation in the country. Here is the charging standard of a guarantee company.

1, the guarantee amount is less than 5 million yuan, and the annual guarantee rate is 5%;

2. The annual guarantee rate is 4% for the part with a guarantee amount of more than 5 million yuan and less than10 million yuan;

3. For the part with a guarantee amount of more than10 million, the annual guarantee rate is 3%;

4. If the guarantee fee is less than 2,000 yuan according to the above rate, it shall be charged at no less than 2,000 yuan;

5. The guarantee fee shall be paid by the borrowing enterprise to the guarantee company in one lump sum before the bank lends money after all formalities are completed;