The loan service fee is charged because there is a handling fee in the middle, which is the fee paid after entrusting this company to help you with the loan.
There are two reasons:
1. The company develops various channels through manpower, including intermediate labor costs and channel maintenance costs.
2. Every customer has a cost, and the customer itself is a cost.
Every company has its own cost, otherwise it can only lose money, just like real estate agents, there is a handling fee. They help you choose the best solution, instead of just looking outside, and you may find higher interest. And entrusted, they can't eat your interest, they will only consider giving you the best and lowest interest plan, and the one that suits you is the best. Only when you earn a reputation can you develop better.
How much is the loan service fee?
Loan service fee refers to the fee charged when handling loan business, which is generally charged by banks, and the charging standard depends on local conditions.
The loan service fee is generally charged by the bank, but it is also charged by a third party that helps the loan business.
Loan service fees and charging standards depend on local conditions.
You don't have to pay this fee to apply for a provident fund loan, but you only need to pay a guarantee fee (three thousandths of the loan amount, with a minimum of 300) and a house evaluation fee (three thousandths of the evaluation value, with a minimum of 300 and a maximum of 1500).
Is the loan service fee legal?
Legal analysis: According to the relevant laws and regulations of our country, it is legal to charge the loan service fee, as long as it does not exceed the relevant standards.
Legal basis:
Article 46 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 service institutions to provide small and medium-sized enterprises with services such as entrepreneurship training and counseling, intellectual property protection, management consulting, information consulting, credit services, marketing, project development, investment and financing, accounting and taxation, property rights trading, technical support, talent introduction, foreign cooperation, exhibitions and legal consultation.
How much does it cost to bank mortgage to buy a house?
The fees to be paid for housing loan in the bank are as follows:
Cost: 100 yuan;
Notarial fee: 300-600 yuan;
Evaluation fee: 1.5 to three thousandths;
Nothing else. If it is handled in a guarantee company, you need to pay a guarantee fee.
Extended data
1. General process of bank mortgage to buy a house:
(1) Please go to the bank for relevant information first. And apply for personal housing loans with all relevant materials.
(2) Then accept the bank's review of you and determine the loan amount.
(3) Next, you can apply for a loan contract, and the bank will apply for insurance. Handle the registration and notarization of property right mortgage.
(4) The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.
2. Bank loan process in mortgage to buy a house:
(1) Select a property
If buyers want to get mortgage services, they should focus on this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.
(2) loan application
After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.
(3) sign a house purchase contract
After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
(4) signing a house mortgage contract
After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
(5) Mortgage registration and insurance.
Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. The policy was handed over to the bank before the principal and interest of the loan were paid off.
(6) Open a special repayment account
After signing the house mortgage loan contract, open a special repayment account in the financial institution designated by the bank, and sign a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.
Is there a handling fee for buying a car loan?
It is reported that at present, the handling fee of bank auto loans is 3%, while the handling fee standard of auto financing institutions and 4S shops with convenient approval is relatively high.
Generally speaking, the loan to buy a car requires vehicle mortgage, insurance and other procedures, so the handling fees included in the loan to buy a car are mainly compulsory insurance, vehicle and vessel use tax, commercial insurance, licensing fees and so on. In terms of commercial insurance, there are no relevant mandatory regulations, but 4S stores often require car buyers to buy them.
If you want to know how appropriate this handling fee is, you can inquire about some different brands of cars when you buy a car and see how their handling fees are charged, so that you can know the local market. Next, according to experience, if you use a car with a loan of about 654.38+10,000 yuan, the handling fee is about 300-5,000 yuan, and if you use a car with a loan of 20.3 million yuan, the loan amount is also more than 1.5 million yuan, generally speaking, it is about 60-8,000 yuan (the above is the average level, which fluctuates according to the actual situation of local car purchase);
For the question of cost, you must inquire in advance, not only to ask the staff of 4s shop, but also to know more about relatives and friends. Don't trust 4s stores too much. Some expenses are actually collected by themselves. Some 4s stores provide both interest and handling fees, some only provide interest without handling fees, and some only provide handling fees without interest. We must distinguish between them.
Do I have to pay the loan insurance premium?
The loan insurance premium must be paid. When you apply for a loan, you need a letter of guarantee in addition to giving the bank collateral (house). Generally, mortgage loans have to pay insurance premiums (insurance companies that have cooperative relations with banks), which is also for banks to ensure that borrowers repay on time.
Many people will pay this insurance premium when they apply for a mortgage, which is usually several hundred yuan. Generally, the insurance premiums paid by different loan amounts are different. You can consult the bank or insurance company before handling the loan. In order to avoid late overdue, it is best to measure your repayment ability before handling the loan.
In order to comply with the bank's regulations in handling loans, borrowers 18 years old or above are usually required to have full capacity for civil conduct and valid personal identification, and submit the bank's application for running water and loans in the last six months. After the submission, the bank will review it and get the loan after passing it.
After the bank issues the loan, the borrower shall repay the loan on time as agreed in the contract, and there shall be no overdue repayment. There will be penalty interest after overdue repayment, and the longer the time, the more penalty interest will be generated. Moreover, overdue repayment will also affect personal credit information, and the handling of various loans will be affected after the credit information becomes worse.
Is there a handling fee for the loan to buy a car?
There is a handling fee for buying a car with a loan. Car loan fees include performance bond, notarization mortgage fee, credit investigation fee, installment fee, etc. However, there is no uniform standard for handling fees, and the regulations on car loan handling fees are different from family to family.
4S stores and state-owned enterprises do not charge fees. Most 4S stores have cooperation agreements with banks, which are guaranteed by 4S stores or third-party companies to help consumers borrow money from banks. State-owned enterprises themselves can guarantee consumers; Private enterprises need to find a third-party company to guarantee. Third-party company guarantees require handling fees, and most of them need to be mortgaged with real estate.
Loan procedures through financial companies are expensive. "If you borrow from an auto financing company, you will generally charge a handling fee of 10%. Various brands use different names, but the total cost of various projects is almost 10%, and the interest rate is the same as the bank loan interest rate.
Bank consumer credit needs real estate mortgage. There will be a series of expenses such as evaluation fees when mortgage loans are made.
Extended data:
Interest-free car loans can't avoid handling fees. Many auto financing companies have launched interest-free car loans, but the regulations on handling fees are different, some of them are charged and some are not. If the car you want to buy is interest-free and fee-free, it is still relatively affordable. If you need to charge a handling fee, you must carefully calculate and measure it. The handling fee of car loan is generally between 4% and 7% of the total car payment, and the handling fee is paid at the same time as the first month payment. If the handling fee is too high, consider other types of car loans.