Generally 0.6%- 1.2% of the loan amount.
2. What's the handling fee for the mortgage company in Guangzhou?
If I remember correctly, it is usually 0.4-0.6. That is, 503,000 yuan, including the assessment fee and excluding insurance.
3. What is the mortgage fee and how to calculate it?
We bought a commercial house, and the bank loan has to pay the mortgage fee of the commercial house. Many people don't know much about the mortgage cost of commercial housing. The following room shows you the mortgage cost of commercial housing. What is the mortgage fee for commercial housing? This is a concern of many property buyers when they are in mortgage to buy a house. It is understood that the handling fee of the first-hand housing mortgage loan depends on which bank loan. And if the second-hand housing mortgage goes to the mortgage company, the cost may be half cheaper. For the first-hand building, how to calculate the handling fee of housing mortgage loan depends on which bank you borrow. The general mortgage company charges about 1500-2000. For second-hand houses, if you find a mortgage company through an intermediary, the mortgage fee is between 1%- 1.2%. If the intermediary is bypassed for personal consultation, the quotation given by the mortgage company is generally between 0.6% and 0.8%, and the cost can be saved by half. Intermediaries will cooperate with mortgage companies. There are two modes of "bundling" mortgage loans. The first is that the parent company of the intermediary bank "runs its own mortgage company", and the second is to cooperate with other mortgage companies. The former is mainly an administrative order within the company, while the latter has the phenomenon of "soliciting customers" with high rebates. These two phenomena will eventually lead to high mortgage costs. Warm reminder that self-selected mortgage companies need to find out in advance whether there are implied charges. Generally speaking, mortgage companies recommended by intermediary companies do charge more than independent mortgage companies. However, for intermediaries, the mortgage companies they are familiar with are generally long-term cooperation, the business docking is relatively skilled, and the lending speed can be guaranteed. They are not worried about extreme situations such as "running the road" in the middle. If the buyer proposes to find a mortgage company himself, the intermediary company will generally sign a disclaimer, indicating that the intermediary is irresponsible for any problems caused by the mortgage. Zheng Dayuan, a senior mortgage agent, believes that the advantages of self-seeking mortgage companies are strong customer initiative and low fees. Some property buyers worry that if individuals ask mortgage companies, the service quality and efficiency will not be as good as those of big companies. On this issue, Zheng Dayuan pointed out that when it comes to mortgage, it has nothing to do with intermediary companies. Therefore, the service quality of mortgage companies applying for loans has little to do with whether they are tied up with intermediaries. As long as there is a contract with the bank, the quality of its service mainly depends on the diligence of the staff of the mortgage company. In addition, the intermediary company suggested that if the buyers want to mortgage themselves in the mortgage company, the other party's offer is ridiculously low, and it is necessary to find out in advance whether there are other hidden costs, such as evaluation fees and transportation fees. Zheng Dayuan suggested that for those who want to find their own mortgage company, it is better to agree with the seller that it will be safer for the seller to designate a mortgage company. Taxes and fees for mortgage loan transactions of first-hand houses: Related reading: How long does it take to get mortgage approval from the loan bank to buy a house? What's the mortgage interest rate? How much is the mortgage interest rate to buy a house? What are the types of mortgage loans? What are the procedures for housing mortgage loan? What materials are needed? How to convert mortgage to provident fund commercial loan into provident fund loan
4. What's the handling fee for the mortgage company in Guangzhou?
Housing mortgage loan fees generally include mortgage fees, registration fees, file utilization fees, etc. How much the housing mortgage loan fee is charged depends on which bank the loan belongs to. The general mortgage company charges about 1500-2000. However, if the mortgage fee for housing transactions of intermediary companies is generally "0.2% of the loan amount of 65438+".
However, there are also cities that have clear regulations on the charging standards of various parts of housing mortgage loan fees. Taking Hengyang City as an example, the fees to be paid for housing mortgage loans are:
I. Mortgage fee (1) Residential mortgage fee: 0.3%.
; (2) Non-residential mortgage fee: 0.2%
; (Calculated by mortgage amount)
; Second, the registration fee:
(1), address: 80 yuan/suite; (2) Non-residential: 550 yuan/room; 3. Archives utilization fee: 40 yuan/box.