1. What does the guarantee fee for an immediate loan mean?

Haha, if there is no guarantee deposit, you have been cheated.

2. What does the guarantee fee mean?

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Guarantee fees refer to the fees that guarantee companies need to charge when providing guarantee certificates to customers, and guarantee fees are not fixed; usually different fees need to be paid for different users and the type of loan of the user. Guarantee fees include evaluation fees and guarantee fees. All projects that have undergone detailed review will be charged an review fee; projects that are guaranteed will be charged a guarantee fee. Fee charging standard: The evaluation fee is 3‰ of the guarantee application amount. If the amount is less than 3,000 yuan, it will be charged in advance at 3,000 yuan. For projects that have been terminated after careful evaluation in the preliminary review stage, the fee will be charged at 1,000 yuan; the guarantee fee is based on the guarantee amount, and is charged according to the guarantee fee. rate charged. Guarantee fee = Guarantee amount Guarantee time Monthly guarantee rate Monthly guarantee rate = Monthly base rate Risk coefficient Quota coefficient Among them: The monthly base rate is set to 1.5 The risk coefficient and quota coefficient are as follows: Basic risk assessment value ≤ 0.30 ≤ 0.40 ≤ 0.50 ≤ 0.600.60 and above Risk coefficient 1.21.41.61.82.0 Guarantee limit 3 million or less (including 3 million) 3 million-5 million (including 5 million) 5 million-10 million (including 10 million) 10 million or more Coefficient 1.00.950.90.85 In principle, the guarantee fee will be collected once when signing the "Entrustment Guarantee Contract". If the guarantee amount exceeds 10 million yuan and the guarantee period exceeds two years, it can be collected annually. No matter which method the borrower uses, such as a provident fund loan or a commercial loan, the borrower needs to pay this security deposit. However, the amount of the guarantee fee depends on the individual's repayment ability and credit history. Banks will generally first review the borrower's credit record and the borrower's loan method to see whether additional guarantee fees are required based on the actual situation. In short, the greater the loan risk, the higher the guarantee fee. Maintaining good credit and providing adequate collateral can help reduce loan guarantee fees.

3. What is the immediate financial guarantee fee?

The fee charged by the guarantee company.

The guarantee fee is to ensure that the loan can be recovered. The lending institution cooperates with the guarantee company when the borrower fails to fulfill its repayment obligations.

The guarantee company will perform the repayment obligations on its behalf, for which the borrower needs to pay an additional credit enhancement fee. The fee charged by the surety company.

The guarantee fee is to ensure that the loan can be recovered. The lending institution cooperates with the guarantee company when the borrower fails to fulfill its repayment obligations.

The guarantee company will perform the repayment obligations on its behalf, for which the borrower needs to pay an additional credit enhancement fee.

4. Does Immediate Finance belong to it?

First, finance does not belong to Gao Gao immediately.

Second, with the decline of P2P online lending, some platforms have switched to consumer finance, but the "change the soup without changing the medicine" model still exists. In the past few years, many borrowers encountered problems while borrowing money. In 2020, the supervision of online loan platforms clearly stipulated that the borrowing interest rate must not exceed 4 times the LPR, and the annual LPR interest rate will change with the market economy. Last year it was not 5, and this year’s borrowing interest rate cannot exceed 15.4!

The interest rate is still much lower than the previous 24, 24, but many platforms control it between 35.5 and 36 with the consent of the borrower. For this reason, many borrowers are under great pressure to repay, and if they don’t pay attention, they will It will be overdue, and after it is overdue, you will be exposed to collection, phone harassment, etc. Some platforms even connect to the central bank's credit report and use the credit report of the short-term borrower signed before! For this reason, there are many non-repayers in the market. Since last year, many borrowers have begun to focus on repayment under supervision. However, in the first half of this year, some borrowers said they would no longer repay because the interest rate of the platform exceeded the national level.

Third, the central bank recently announced that consumer finance is on the list! When we tried an Internet loan tool called "Shengbei", the page was completely inconsistent with the current regulatory requirements, because the regulation clearly requires borrowers to clearly see the interest rate when borrowing. When clicking on "Shengbei" After "Withdrawal", the detailed total principal and interest repayment will be displayed.

On the details page, the comprehensive annual interest rate for borrowing 2,000 yuan for 12 months is 36, and it is marked in bold. But now the guarantee fee no longer exists. The borrower needs to repay according to the normal interest rate no matter how much money he borrows, otherwise he has the right not to repay!