银行贷扣费指的是银行在进行贷款发放或收回时，对贷款人或借款人收取的扣除费用。这些费用通常是针对贷款合同中约定的相关费用，例如手续费、利息、罚息等。

在银行贷扣费中，手续费是最常见的费用之一。银行在发放贷款时，通常会向贷款人收取一定比例的手续费，以补偿银行在贷款发放过程中产生的成本和风险。此外，银行还可能会收取其他相关费用，例如评估费、抵押登记费等。

除了手续费之外，银行贷扣费还包括利息和罚息等费用。利息是贷款合同中约定的利率，借款人需要按照约定的利率向银行支付利息。罚息则是在借款人逾期还款或违反合同约定时，银行向借款人收取的额外费用。

英文：

What is bank loan fee?

Bank loan fee refers to the deduction fee charged by the bank to the borrower or the lender when the loan is issued or repaid. These fees are usually related to the expenses specified in the loan contract, such as handling fees, interest, and penalties.

Among the bank loan fees, handling fees are the most common. When the bank issues a loan, it typically charges a certain proportion of handling fees to the borrower to compensate for the costs and risks incurred in the loan issuance process. Additionally, the bank may also charge other related fees, such as appraisal fees, mortgage registration fees, etc.

Besides handling fees, bank loan fees also include interest and penalties. Interest is the rate agreed in the loan contract, and the borrower needs to pay interest to the bank according to the agreed rate. Penalties are additional fees charged by the bank to the borrower when the borrower is late on repayment or violates the contract terms.