贷款保证金合法吗-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	贷款保证金合法吗
释义	不合法。预收贷款保证金制度违反了法律的有关规定。金融机构实行贷款预收保证金制度，使借款人实际得到的贷款总额减少，不能满足借款人急需资金的需要，侵犯了债权人的合法权利。银行规定，严禁各金融机构擅自提高存、贷利率或以手续费、协储代办费、吸储奖、有奖储蓄以及贷款保证金、利息备付金，加收手续费、咨询费等名目变相提高存贷利率。该内容由严达兴律师和法律部落共创回答
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