The guarantee fee is generally 3% of the loan amount.
Guarantee companies also require enterprises to pay a deposit of about 20% of the amount.
The amount of interest rate floating in the bank will be charged in the name of financial management fee.
In addition, you may be required to buy insurance, funds or gold, or even make a full commitment after the loan is put down.
Banks are also enterprises and want to maximize profits.
2. What is the guarantee rate of the guarantee company? Are there any regulations in the country?
The state has no quantitative regulations. 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 guarantee amount is more than 5 million yuan,100000 yuan, and the annual guarantee rate is 4%;
3. The annual guarantee rate is 3% for the part with the guarantee amount exceeding 6,543,800+million;
4. If the guarantee fee charged at the above rate is less than 2,000 yuan, 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 completing all formalities;
III. Guarantee companies provide guarantees for corporate loans. How much is the general fee? What expenses are included? ...
Hello!
The guarantee fee charged by the guarantee company is half of the bank interest according to the regulations.
If it helps you, please adopt it.
Fourth, how do financing guarantee companies make money?
From a practical point of view, the main sources of income of guarantee companies are: 1, and the guarantee fee: generally around 3%/ year, not too high.
2. Consulting fees: This part of the income may account for a relatively large proportion, mainly because the guarantee company introduces the source of funds for the enterprise and provides guarantees to match the fees charged after the loan transaction. 3. Investment income of self-owned funds: the investment of free funds can account for up to 20% of net assets. Although the Measures prohibit investment in high-risk businesses, guarantee companies often use these funds to issue entrusted loans, or borrow funds from private accounts and off-balance sheets more conveniently to charge high interest.