Is there a fee for the guarantee fee? The guarantee fee is charged

The charging standards of guarantee fees are different between different regions, and the charging standards of different guarantee institutions are also different. However, the standard for charging the guarantee fee is generally determined according to the following articles: 1. The risk degree of the guarantee project; 2. The economic assets of the guarantor; 3. The financial status of the guarantor; 4. The credit status of the guarantor, etc.

In general, the guarantee rate charged is between 3% and 5%. According to the relevant national policies, the benchmark guarantee rate can be charged at 50% of the bank's loan interest rate for the same period, and the specific guarantee rate can fluctuate by 30% to 50% on the basis of the benchmark rate according to the degree of project risk, or it can be independently agreed by the guarantee agency and the regulatory department. The guarantee fee is the fee that the loan applicant needs to pay when applying for a loan guarantee from a professional guarantee company.

The level of the guarantee fee is generally assessed by the guarantee agency through the risk of the guaranteed project, but it shall not violate the relevant national regulations. If the guarantee fee is independently agreed upon by the guarantee agency and the regulatory department of the guarantee agency, the guarantee dispute is not protected by law. Under normal circumstances, in order to avoid the risk that the loan applicant will not be able to repay the loan, the bank requires the loan applicant to provide a guarantee certificate of a legal person, other economic organization or natural person with sufficient solvency.

The guarantee rate of policy guarantee institutions is generally 1-2%, and the guarantee rate of commercial guarantee institutions is generally 2-4%.

Some guarantee fees are charged by the guarantee company, and the bank intermediary has no relationship with the intermediary intermediary only charges the intermediary fee, the guarantee company charges the guarantee fee, the general is about 1000-2000 yuan, the specific look at the guarantee company is basically looking for a guarantee!

You're talking about housing guarantees. There is no unified national standard for guarantee service charges, but it should be reported to the price department at the same level for approval.

Trial Measures for the Administration of Housing Guarantees》 Article 2 The term "housing guarantee" in these measures refers to the housing guarantee company established in accordance with these measures (hereinafter referred to as the guarantee company), in the case that the borrower is unable to meet the requirements of the lender to provide security, for the borrower to apply for a personal housing loan and sign a guarantee contract with the lender, to provide joint and several liability guarantee guarantee.

Article 14 The fee standard for guarantee services shall be approved by the price department at the same level. The guarantee service fee is paid by the borrower to the guarantee company.

Oh, how much is the guarantee fee for a general house and a provident fund loan?

Only the guarantee fee for the loan is charged, not by the bank or by the intermediary, but by the guarantee company.

The standard of guarantee fee is as follows: the standard of guarantee fee is different between different regions, and the fee standard of different guarantee institutions is also different. However, the standard for charging the guarantee fee is generally determined according to the following articles:

1. The degree of risk of the guaranteed project; 2. The economic assets of the guarantor: 3. The financial status of the guarantor; 4. The credit status of the guarantor, etc. In general, the guarantee rate charged is between 3% and 5%.

According to the relevant laws and regulations, the mortgage guarantee fee refers to the fact that in order to avoid the risk of housing loans, banks generally require the borrower to provide a guarantee certificate of a legal person, other economic organizations or natural persons with sufficient solvency.

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Civil Code of the People's Republic of China

Article 681:A guarantee contract is a contract in which the guarantor and the creditor agree that the guarantor will perform the debt or assume responsibility when the debtor fails to perform the due debt or when the circumstances agreed by the parties occur.

The standard of charging the guarantee fee is generally determined according to the following articles:

1. The degree of risk of the guaranteed project;

2. The economic assets of the guarantor;

3. The financial status of the guarantor;

4. The credit status of the guarantor, etc. In general, the guarantee rate charged is between 3% and 5%. The guarantee fee is the fee that the guarantee company needs to charge when providing the guarantee certificate to the customer, and the guarantee fee is not fixed, and usually the fee needs to be paid differently for different users and the type of loan of the user.

Civil Code of the People's Republic of China

Article 386.

The holder of the security interest shall have the right to be repaid in respect of the secured property in accordance with the law if the debtor fails to perform the due debt or the security interest is realized as agreed by the parties, except as otherwise provided by law. Article 387.

Where a creditor needs a guarantee in order to ensure the realization of its creditor's rights in civil activities such as lending and trading, it may establish a security such as a real right in accordance with the provisions of this Law and other laws.

Where a third party provides security to the creditor for the debtor, the debtor may be required to provide a counter-guarantee. Counter-guarantees shall be governed by the provisions of this Law and other laws.

1. The evaluation fee is 3 of the amount of the guarantee application, less than 3,000 yuan is charged in advance at 3,000 yuan, and the project is terminated after careful review in the preliminary review stage, and is charged at 1,000 yuan.

2. The guarantee fee is based on the guarantee amount and is charged according to the guarantee rate (monthly rate). Guarantee fee = guarantee amount Guarantee time (month) Monthly guarantee rateMonthly guarantee rate = monthly benchmark rate Risk coefficient Quota coefficient, wherein: The monthly benchmark rate is set as the risk coefficient and the quota coefficient are as follows:

Rate coefficient table) basic risk assessment value The above risk coefficient guarantee amount is less than 3 million (including 3 million), 3 million to 5 million (including 5 million), 5 million to 10 million (including 10 million), and more than 10 million The guarantee fee is in principle charged at one time when signing the "Entrustment Guarantee Contract", and the guarantee amount exceeds 10 million yuan and the guarantee time is more than two years, it can be charged annually.

1. Guarantor conditions:

1. A natural person with a full civil act, aged between 18 (inclusive) and 65 years old (inclusive);

2. Have a legal and valid identity certificate, and have a permanent residence or fixed residence in the local area;

3. There is no obvious default record, and there is no bad credit record in Zaoyan;

4. There is no implication in this case;

2. The procedures for the court to enforce the guarantor are the stools

1. The person subject to enforcement takes the initiative to apply;

2. Transfer the collateral or go through the registration procedures;

3. With the consent of the applicant;

4. Review by the people's court;

5. Recognized by the people's court.

Legal basis: Civil Code of the People's Republic of China Article 584 Where one of the parties fails to perform its contractual obligations or performs its contractual obligations in a manner inconsistent with the agreement, causing losses to the other party, the amount of compensation for loss and transportation shall be equivalent to the losses caused by the breach of contract, including the benefits that can be obtained after the performance of the contract; provided, however, that it shall not exceed the losses that may be caused by the breach of contract that the breaching party foresaw or should have foreseen at the time of entering into the contract.

The guarantee fee of the guarantee company is usually not fixed, and is mainly determined by the size of the risk, and the guarantee fee of the borrower is usually different for different loan products and different conditions. Of course, there are also differences in the fees charged by different guarantee companies. Usually the guarantee fee for unsecured loans is the highest because there is no need for the borrower to provide collateral, and the guarantee company takes on more risk with credit guarantee alone, so the guarantee fee is higher.

The loan of Lufax is guaranteed by the guarantee company of Ping An Group, and the monthly guarantee fee is the total amount of the loan, because the borrower repays the principal every month, and the monthly guarantee fee is charged according to the total amount, so the actual guarantee fee is higher than the month. Home Credit has a monthly one-year cash loan guarantee fee, which is lower than Lufax, but Home Credit has a higher monthly service rate, usually around 1%.

The mortgage guarantee fee varies greatly depending on the borrower's conditions, but the annual guarantee rate is mostly 3%-5%, which is much lower than the above unsecured loan guarantee fee. The guarantee fee for low-risk loans such as provident fund loans is lower, and the annual guarantee rate of provident fund loans in most cities is less than 1/1000.