With socio-economic development, loans have become a common way for people to resolve financial problems. However, many have found that the fees to be paid when choosing an intermediary to conduct a loan are different, and even the excessive fees charged by some intermediaries have given rise to a series of disputes. On this issue, there are several angles of analysis involved。

First, from the intermediary point of view, they are commercial establishments for profit. Intermediaries need to invest considerable time, manpower and resources in the provision of loan services. They need to take on a range of tasks, such as market promotion, information gathering, customer screening, loan applications, clearance and filing, all of which require professional knowledge and experience. It is therefore reasonable and normal for an intermediary to charge a certain fee。

Second, from the borrower's point of view, the fees charged by the intermediary should be reasonable. Borrowers can save considerable time and effort by brokering their loans, while also reducing the risk of failure due to unfamiliarity with procedures and conditions. The services of intermediaries can help borrowers to obtain loans quickly and to meet their financial needs. It is therefore reasonable to pay a certain fee for efficient and reliable services。

However, there are also a number of intermediary fees that are not only detrimental to the interests of borrowers but also to the image of the brokering industry as a whole. In the case of irregular charges, borrowers should report to the relevant regulatory authorities in a timely manner to defend their legitimate interests。

A number of countries and regions have introduced laws and policies to regulate the extent to which intermediary fees for loans are legal. These laws and policies usually impose a cap on intermediary fees and clarify terms and conditions. Borrowers, when selecting intermediaries, should be informed in advance and compare the charging policies of different intermediaries, following the principle of legal compliance。

In the light of the above, the legality of the fees charged by intermediaries for the processing of loans is a complex issue that needs to be analysed from several angles. It is reasonable and normal for an intermediary to charge a fee, but it should be reasonable and transparent. Borrowers need to consider the quality of services and understand the relevant legal provisions when selecting intermediaries to protect their legitimate interests。