Intermediary loans generally charge several points of interest.

How much is the agency fee for bank loans legal?

General charges range from 3% to 9%.

The loan agency fee generally ranges from 3% to 9%. Generally speaking, when applying for loans from banks and online lending platforms, people rarely encounter loan agency fees and handling fees. If you find an intermediary to help you with the loan, you may have to pay the intermediary fee and handling fee.

Matters needing attention in the process of second-hand housing transaction

1, it's best for the three parties to meet and trade transparently.

Buying and selling houses is very complicated, so we should communicate with each other before the transaction. When trading, it is best for both the buyer and the seller and the intermediary company to meet, so as to make the transaction transparent and avoid being cheated.

2, don't meet also depends on the agency contract.

If you can't meet, you should also ask the intermediary company to issue an entrustment contract between the buyer and the seller. Entrustment contracts generally specify the price and the scope of rights of the agent, which is conducive to ensuring the interests of both buyers and sellers.

In addition, the intermediary company should be required to produce a series of certificates and clearly indicate the detailed personal information of both parties in the contract. If some clauses in the contract are found to be inconsistent, the buyer and the seller should consult all the questions before signing.

3, check the relevant documents, identify the real house.

For the seller, if the intermediary company makes a cash purchase, it must go through the corresponding transfer procedures to prevent the intermediary company from selling the house to earn the difference before going through the formalities.

As for buyers, we should be wary of fake houses, some of which are just owners, but not real owners. If the deposit is paid before checking the relevant documents and distinguishing the true and false landlord, the intermediary company falsely claims that the house has been sold, and the deposit will be difficult to return.

It is reasonable to charge a few points for the loan agency fee.

The loan agency fee generally ranges from 3% to 9%.

Generally speaking, when applying for loans from banks and online lending platforms, people rarely encounter loan agency fees and handling fees. If you find an intermediary to help you with the loan, you may have to pay the intermediary fee and handling fee. There is no fixed ratio between loan agency fee and handling fee.

Basic loan terms:

Loan target: China citizens aged 18 to 60 with full capacity for civil conduct.

Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.

Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB.

Application materials to be provided:

1. A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.

2, the guarantor's credit certification materials.

3. Collateral appraisal report issued by the appraisal department recognized by the society.

4. Other documents and materials stipulated by the Construction Bank.

5. Original and photocopy of the borrower's valid identity certificate.

6. Local permanent residence or valid residence identity certificate.

7. The borrower shall issue the income certificate issued by the employer, the borrower's tax bill and insurance policy.

8. The pledge right, the list of collateral and the ownership certificate required for the borrower to obtain the collateral and the mortgage amount. Written documents of the owner and the property that someone agrees to pledge or mortgage.

9. The borrower also needs to provide the payment voucher for the hydropower property where the company is located and the payment voucher for the hydropower property at the personal address.

How much is the agency fee for bank loans?

Intermediary fees are generally collected in two ways according to the transaction time node: one-time collection or segmented collection. In housing transactions, the agency fee is generally borne by the buyer and the seller, and of course it is also borne by the seller in full. There is no strict restriction on who will bear the agency fee, as long as all parties reach an agreement. The agency fee is as follows, taking the sale of real estate as an example:

1, real estate consultation fee: according to the service form, there are two kinds of consultation fees: oral consultation fee and written consultation fee. The specific standards are determined according to the professional level and workload.

2. Price appraisal fee: the real estate price appraisal fee, mainly based on real estate, is charged step by step according to the total real estate price.

3. Real estate brokerage fee: the fee charged by the house buying and selling agent is 0.5%-2.5% of the total transaction price. For exclusive agents, the charging standard may be appropriately increased, but it shall not exceed 3% of the transaction price.

Charge standard of loan intermediary service fee

There is no clear legal provision on agency fees, but Shanghai Administration for Industry and Commerce, Price Bureau and Real Estate Bureau have corresponding documents. Agency fee: general cash 1%, loan 2%. Loan service fee: 65438+ 0% of the turnover. Guarantee fee: Individual intermediary companies charge an additional 0.5% transaction guarantee service fee, commonly known as "guarantee fee". Charge for agency loan service, with the maximum not exceeding 300 yuan.

The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates macroeconomics. Objectively, a universally recognized benchmark interest rate level is needed as a reference. Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism. Simply put, you usually deposit money in the bank and he gives you interest. The greater the benchmark interest rate, the more interest; The smaller the benchmark interest rate, the smaller the interest.

The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links. The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk. Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place. Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

How much is the service fee for the loan intermediary at 3 points?

The three points of the intermediary service fee of the loan are the loan amount multiplied by 0.03, and the service fee of the loan 1 10,000 is 300.

Xi' an Mercedes-Benz female car owner refunded the service fee.

June 19, 1 1, 62 days after climbing the hood of Mercedes-Benz, Wang Qian (pseudonym) brought back a new car from a Mercedes-Benz 4S shop. In addition, Wang Qian told Red Star News that the service fee of 1.5 million yuan that she was charged had also been refunded after being concerned by public opinion.

Sharla Cheung, chief economist of the Taxation Bureau of Xi Hi-tech Industrial Development Zone, once said that the "financial service fee" paid by Wang Qian was actually collected by the staff of a third-party company A stationed in a shop in 4S. According to the Prepayment Service Agreement signed between the female car owner and B Sheng Automobile Trading Co., Ltd., a loan of 4 19 1600 yuan was approved, of which 3% was12,575 yuan.

Law enforcement departments investigated and dealt with the illegal acts of B Automobile Trading Co., Ltd. suspected of infringing consumers' rights and interests.

At present, almost all 4S stores that provide financial loans to consumers will charge financial service fees with different amounts. At present, the general charging standard of "financial service fee" in the market is about 2% of the loan amount, but many 4S stores charge about 4%, ranging from several thousand yuan to ten thousand yuan.

Extended data:

The financial service fee in the market has become a "semi-open rule". Generally, the charging standard of each brand is about 2% of the loan amount, but many 4S stores are different, and many of them charge about 4%, ranging from several thousand yuan to ten thousand yuan. Another car salesman also confirmed that some 4S stores can get 50% of the financial service fee, so the salesman will try his best to persuade all customers to make mortgages, and there is also a set of rhetoric.

This cost exists in the distribution links of many brand manufacturers. "Conscious" merchants will mark the "existence" of this fee in the corner with extremely small words on the poster in the 4S shop window. According to relevant media reports, there are three kinds of financial service fees, namely domestic cars, joint venture cars and imported cars. Domestic cars are generally less than 65,438 yuan, and like joint venture cars, they are all about 3,000 yuan.

About 200,000 cars are generally subject to the service point. For example, if your loan is 654.38+ 10,000 yuan, you can charge a few points according to 654.38+ 10,000 yuan. If the car is imported, that point will be higher than the joint venture car of more than 200 thousand. The collection of financial service fees is unfounded and unreasonable; Through WeChat transfer, the actual income of this 4S store was not recorded, which was suspected of tax evasion.