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Restocking Fees. A restocking fee is a percentage of the item's price, depending on the type of item and the condition in which it is returned. Note: You are not required to accept returns beyond the return window, but if you do, you may charge a restocking fee following the guidelines outlined in the table below.
The term origination fees refers to any expenses you pay to the lender to compensate him for providing the loan. Most lenders charge a basic origination fee equal to a certain percentage of the loan balance. Lenders may also include points in their origination fee, which are one-time prepaid interest payments you make in exchange for a lower annual rate. In most cases, you must pay these costs at settlement.