There is no need to pay handling fees for bank loans, but other necessary fees need to be paid: ① insurance premium; (2) Notarial fees; (3) mortgage fees; (4) Warrant information fee; ⑤ Loan service fee; 6 registration fee; ⑦ Transaction evaluation fee; 8 transaction costs; Pet-name ruby transaction stamp duty, deed tax, business tax.
For online loans, there is generally no need to pay for applying for loans on a loan platform approved by the CBRC and holding a financial license. As long as the customer's credit is up to standard, he can borrow directly, and then repay the loan principal and interest at the agreed interest rate.
If the platform applying for lending has not been approved by the CBRC and does not hold a financial license, the customer is likely to meet the lender, and the other party will deliberately ask the customer to pay the money first in the name of deposit and unfreezing the money, and then directly "roll up the money and run away"; Or to charge "beheading interest". Although the money will be released later, the money paid before will not be refunded, and various unreasonable fees and high interest may be charged later.
It should be noted that all formal licensed consumer financial institutions generally do not charge any upfront fees before receiving loans. If the loan platform requires customers to pay before lending, they must be vigilant and cautious to prevent falling into a loan scam and causing money losses. It is best to give up the loan directly and find a qualified loan platform to refinance.
Formal loan companies always borrow first and then charge (for example, borrow 1000 to pay back 1 100). If it is irregular, the handling fee will be deducted from the total loan amount first (for example, if you borrow the handling fee of 1000, you will get 900, and you have to pay back 1000). There is no saying that users pay first and then lend. How many points do you need to charge unless you entrust someone else to handle the loan, but you will also charge after the loan is completed.
I hope my answer can help you.
If you borrow money from a bank, is there a handling fee besides interest?
The handling fee of the loan depends on the loan type and loan product. There is no handling fee: for bank loans such as credit loans, secured loans and mortgage loans, most of the time, only the loan interest needs to be paid. If it is otherwise agreed in the loan contract that a handling fee needs to be charged, it shall be implemented in accordance with the contract. There are also handling fees, such as car loans. Bank car loans mostly take the form of credit card loans to buy a car, in which the loan itself is interest-free, but a certain handling fee is charged.
Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation. Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator. In civil law, interest is the legal fruit of principal.
Bank loan interest rates are all calculated by computers based on personal credit information, income, work and other information. In other cases, you can only keep your credit information and try to repay your credit card on time to avoid overdue. Although the central bank has introduced the benchmark interest rate, the interest rates of all banks will rise above the benchmark interest rate, and the specific floating situation is different from bank to bank. Therefore, in order to get the lowest bank loan interest rate, we must "shop around" and then choose the bank with the lowest interest rate. The interest-bearing settlement rules and methods for deposit and loan business formulated by national commercial banks as legal persons shall be reported to the head office of the People's Bank of China for the record, and the customers shall be informed; Regional commercial banks and urban credit cooperatives should be reported to the branches of the People's Bank of China and the central branch of the provincial capital for the record, and inform customers; County rural credit cooperatives as legal persons may, according to the actual situation of the county rural credit cooperatives, formulate the rules for interest calculation and settlement and the interest-bearing measures for deposit and loan business, and report them to the branch of the People's Bank of China and the central branch of the provincial capital for the record, and the rural credit cooperatives as legal persons shall notify the customers.
Is there a service charge for bank loans?
There is a service charge for bank loans. 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 fees charged by intermediaries are definitely higher, but each intermediary is different. 1500 should be the loan guarantee fee he gave you, and the evaluation fee should be paid to the evaluation company that cooperates with him and collected with them. You can ask the intermediary for details.
The loan service fee is generally charged by the bank, but it is also charged by a third party that helps the loan business.
When handling loan business, the fee charged is called loan service fee. Generally, it is a bank collection, and there are also third-party collections that help the loan business.
Extended data:
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.