What is the service fee for borrowing money, and is it legal to borrow service fees

Hello, regular loan companies will not charge pre-loan fees, such as deposits, verification money, insurance money, etc., and will not communicate with you through QQ, WeChat and other private social accounts, so if you encounter financial fraud by impersonating a regular loan company, please be vigilant, do not be deceived, if you are deceived, the first time to report to the police, to minimize the loss of your funds.

In addition, if you have an urgent need for money, it is recommended that you must choose a reliable big brand, which is a credit service brand of Du Xiaoman Finance (formerly Finance), which is safe and trustworthy, and has the characteristics of simple application, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security. The online application materials are simple, the fastest is 30 seconds for approval, and the fastest is 3 minutes for loan disbursement. Early repayment is possible, and the recovery limit can be revolving after repayment.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

I hope this is helpful to you, click below on the mobile phone to measure the amount immediately.

When you borrow, there will be numbers

Summary. It is illegal, and it is illegal for the borrowing company to charge high service fees. China has clear regulations on borrowing platforms, and the annual interest rate of loan products must be within 36% except for the repayment of the principal.

Moreover, the borrowing platform shall not increase the borrowing interest rate for any reason, including the establishment of insurance, charging service fees, etc. Therefore, if the lender refuses to repay the loan due to the high service fee, it will sue it.

It is illegal, and it is illegal for the borrowing company to charge high service fees. China has clear regulations on borrowing platforms, and the annual interest rate of the loan products must be within 36% except for the repayment of the principal. However, the borrowing platform shall not increase the borrowing interest rate for any reason, including the establishment of insurance, charging service fees, etc.

Therefore, if the borrower refuses to repay the loan if it is charged a high service fee, it will sue it.

The total amortization of various fees charged by lending companies, such as management fees, audit fees, handling fees, security deposits, etc., far exceeds the legal interest rate, and the high interest is charged in disguise. The Civil Law clearly stipulates that usurious lending is prohibited, and the interest rate of the loan shall not violate the relevant provisions of the state. In practice, if only a service fee is charged but no actual service is provided, or a high service fee is charged that is seriously inconsistent with the content of the service provided, the service fee can be determined to be disguised interest.

If the service fee is closely related to the loan principal, term and repayment interest arrangement, the withered belt can also be recognized as disguised interest.

The lawyer replied: Legal.

Article 510 of the Civil Code of the People's Republic of China provides that after the contract takes effect, if the parties have not agreed on the quality, price or remuneration, place of performance, etc., or the agreement is not clear, they may agree to make up for the recharge; If a supplementary agreement cannot be reached, it shall be determined in accordance with the relevant provisions of the contract or transaction customs. Article 963 of the Civil Code of the People's Republic of China provides that if an intermediary facilitates the conclusion of a contract, the client shall pay remuneration in accordance with the agreement. Where there is no agreement on the remuneration of the intermediary or the agreement is not clear, and it cannot be determined in accordance with the provisions of article 510 of this Law, it is to be reasonably determined on the basis of the intermediary's labor services.

Where the conclusion of a contract is facilitated by the intermediary providing intermediary services for the conclusion of the contract, the parties to the contract shall bear the intermediary's remuneration equally. If the intermediary facilitates the conclusion of the contract, the intermediary shall bear the costs of the intermediary activities. Article 961 of the Civil Code of the People's Republic of China provides that an intermediary contract is a contract in which the intermediary reports to the client the opportunity to conclude the contract or provides intermediary services for the conclusion of the contract, and the client pays remuneration.

Bai Xiaorong borrowed money. Charging a service fee means that the lending platform provides the corresponding service to the user, so it will charge a certain fee. According to the regulations, the loan service fee is included in the comprehensive effective interest rate of the loan.

The service fee for borrowing money is charged after the loan is successfully borrowed.

Bank loans are subject to a service fee. Loan service fee refers to the fee charged when handling loan business, which is generally charged by the bank, and the charging standard depends on the situation in different places.

The fee charged by the intermediary is relatively higher, but each intermediary is different, 1500 should be the loan guarantee fee he does for you, and the appraisal fee should be paid to the appraisal company that cooperates with it, and they collect it, you can ask the intermediary for details.

The loan service fee is charged by the bank and is also charged by a third party who helps with the loan business.

When handling loan business, the fee charged is called the loan service fee. Generally, it is collected by the bank, but there are also third parties who help with the loan business.

Summary. Hello dear! It's a pleasure to serve you!

For you, there may be a service fee for borrowing money, because the borrowing platform provides users with corresponding services, so a certain fee will be charged, and according to regulatory regulations, the loan service fee is included in the comprehensive effective interest rate of the loan, and cannot exceed the legal interest rate red line. The service fee for borrowing money is charged after the loan is successfully repaid, and cannot be charged before the loan is settled.

In addition, the service fee for borrowing money is charged through repayment after the loan is successfully borrowed, and cannot be charged before the loan is down. Therefore, if there is a lending platform that charges a service fee before lending, it actually charges cut interest, which does not meet regulatory requirements.

Hello dear! It's a pleasure to serve you! Inquire for you:

There may be a service fee for borrowing money, because the borrowing platform provides users with corresponding services, so it will charge a certain fee, and according to regulatory regulations, the loan service fee is included in the comprehensive effective interest rate of the loan, and cannot exceed the legal interest rate red line. The service fee for borrowing money is charged through repayment after the loan is successful, and cannot be charged before the loan is down. In addition, the service fee for borrowing money is charged through repayment after the loan is successfully borrowed, and cannot be charged before the loan is down.

Therefore, if there is a lending platform that has to charge a service fee before taking out a loan, it is actually charging a slag potato with cut-off interest, which does not meet the regulatory requirements.

Start the platform to show that you can pay for the next member.,Now it's to jump to other pages.,The day after tomorrow said that you want to wait for ** notification.,Is it a lie.。

Yes, vigilance is advised.

There is no jump page operation on the regular platform.

Okay thank you.

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Hello dear, borrowing money is a mold limb may have a service fee, because the borrowing platform provides users with the corresponding services, so a certain fee will be charged. According to the regulatory provisions, the service fee for loan payment is included in the comprehensive effective interest rate of the loan, and cannot exceed the red line of the statutory interest rate. In addition, the service fee for borrowing money is collected after the loan is successfully repaid, and cannot be charged before the loan is settled.

I hope mine can help you and wish you good health, all the best and a happy life.

Legal Analysis: Usually this situation is a fraud, and it is necessary to pay attention to screening.

Legal basis: Civil Code of the People's Republic of China

Article 667 A loan contract is a contract in which the borrower borrows money from the lender and returns the loan to the lender when it expires and pays interest.

Article 668: The loan contract shall be in written form, unless otherwise agreed upon between natural persons.

The content of the loan contract generally includes the type of loan, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When entering into a loan contract, the borrower shall, as required by the lender, provide the true information about the business activities and financial status related to the loan.

Good evening kiss, the loan service fee is legal, but it must comply with the provisions of relevant national laws and administrative regulations. Legal basis: Article 164 of the Contract Law of the People's Republic of China stipulates that:

The parties may make an appointment with friends to set a service fee, but they must not violate the provisions of relevant national laws and administrative regulations. <>