Is it illegal for a loan intermediary to collect customer fees privately?

1. Is it illegal for a loan intermediary to collect customer fees privately?

It is legal to charge agency fees for loans!

Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises Article 40 The State encourages all kinds of social intermediary institutions to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises.

The agency fee is a legal fee, and the law supports it as long as it does not exceed the standard. Because there are some expenses in the loan process, such as insurance premium, agency fee, license fee, entertainment fee, etc. It is legal for a loan intermediary company to charge agency fees.

Literally, as long as the agency fee does not exceed the standard, it is legal!

Second, what is the crime of the loan salesman charging the handling fee privately?

At present, there is no provision in our country's law, which is still a judicial blank!

Third, it will cost 500 yuan to get the green paper after paying off the car loan.

First, the car loan needs 500 lots to be repaid. If this happens, users can complain. Generally, there is no handling fee for getting the Green Paper after paying off the car loan, but the salesman may charge it on behalf of him. If the bank or auto financing company requires a handling fee, the owner can ask the situation first. If there is no relevant provision on this handling fee in the contract, which is unreasonable, he can choose to refuse.

Second, sometimes the salesman will borrow money on behalf of the intermediary, so the owner can handle some expenses needed in the car purchase, which are clearly reflected in the contract, and then everything is executed according to the contract. After the car loan is paid off, the owner must remember to go through the relevant procedures and release the vehicle. Generally speaking, after paying off the car loan, you have to wait until the company that handles the car loan goes through the relevant formalities, handles the car loan settlement certificate, gets back the motor vehicle registration certificate, car purchase invoice and so on.

Third,

1. After paying off the car loan and getting back the vehicle registration certificate (commonly known as the "Green Paper"), the customer can report the complaint to the local CBRC and contact the local bank. However, it should be noted that if 300 yuan's fees had been agreed, the money might not be refunded.

2. Some customers will apply to 4S stores for agency distribution services. Therefore, the bank (auto consumer finance company) will return the vehicle registration certificate to the customer after the loan settlement certificate is completed in S shop. Because agents understand the charges, 4S stores will naturally charge a certain service fee. There is no charge for the customer to make an understanding commitment in person at the vehicle management office.

3. It is suggested that customers charge various fees when signing the loan contract. If you don't know, you won't charge blindly, causing personal money losses.

Fourth, the intermediary should charge an intermediary fee. What should we do?

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