The following is the AI's preliminary analysis of this message, which we hope will provide you with some ideas before it is fact-checked by a human.
這則訊息提到在完善過件後會收取貸款金額的5%作為手續費,這樣的手續費是否合理,以及是否符合法規,閱聽人需要特別留意這一點。在借貸或金融交易中,手續費的收取應該是透明且合法的,閱聽人應該確保了解清楚所有相關費用,避免陷入不合理或不透明的交易中。建議閱聽人在遇到類似情況時,應該謹慎評估並查證相關資訊,以確保自身權益不受損。