2. At present, the fee charged by the intermediary for the guarantee fee is between 1%- 2% of the loan amount.
3. The Housing Provident Fund Management Center has imposed strict price restrictions on guarantee companies. The agency fee and guarantee fee are 0.6% of the loan amount, with the maximum not exceeding 1.500 yuan.
On May 16, 2000, the Ministry of Construction and the People's Bank of China jointly issued the "Trial Measures for the Management of Housing Property Guarantee". At present, when banks issue personal housing loans, there are several guarantee methods to choose from: guarantee, mortgage and pledge. Banks are most willing to accept the latter method, but this method has no practical significance, because if borrowers have pledged property, they don't need to borrow from banks. Although the guarantee method can introduce real estate agents or other third parties, the credit status of the guarantor changes with its business performance and other factors. At present, banks use more mortgages, but mortgages also have their shortcomings. The failure to implement the guarantee is an important factor restricting the development of the current housing loan business.
For property buyers, applying for loan guarantee can first get a lot of rights and interests, and then simplify procedures and save costs, which will undoubtedly attract more customers and promote the further development of housing loan business. The guarantee provided by the guarantee company not only strengthens the guarantee mechanism of bank housing loan, promotes the development of bank loan business, but also meets the objective needs of citizens to buy houses.
Then, do you need to pay a guarantee fee for buying all houses? Generally speaking, the purchase of second-hand houses is almost always through intermediary agencies to reach a sales agreement and assist them in handling loans, certificates, transfer and other procedures. Therefore, some need the intervention of the guarantee company, and the intermediary will also charge the guarantee fee to the customer. At present, almost all intermediaries will charge guarantee fees when assisting in handling loans. But in fact, some banks are worried about risks, so they require the intervention of guaranteed companies. But at present, many banks in Wu Hanyou don't require this, and individuals don't need guarantees at all. In addition, when buying a first-hand house (new house), the loan is directly handled by the developer as the guarantor, so the guarantee fee is generally not charged to the customer.
Second-hand housing loan guarantee fee charging standard
When handling second-hand housing loans, we should pay attention to the following issues: If it is a provident fund loan, we should pay attention to the deposit ratio. If it is a commercial loan, a guarantor's income certificate should be issued. The process of loan guarantee is not complicated, and buyers can go directly to the real estate guarantee company in their city. As for the loan, but after paying the guarantee fee, you can generally negotiate with the intermediary to refund the fee. If it is not because of the purchase restriction policy, the intermediary will generally help the customer change the loan bank until the loan is successful.
At the same time, it should be noted that if the contract cannot be fulfilled due to policy adjustment, the contract can be terminated, but the losses suffered by the guarantee company should be directly borne by the buyers. Therefore, when signing an agreement with the guarantee company, the seller can negotiate to attach relevant exemption or delay the performance of the contract to reduce the risk.
There is no rigid policy on how to collect the guarantee fee, and the labels charged by various intermediaries are different. At present, the fee charged by the intermediary for the guarantee fee is between 1%- 2% of the loan amount.
It is worth noting that for the guarantee fee of provident fund loans, the Housing Provident Fund Management Center has imposed strict price restrictions on guarantee companies. The agency and guarantee fee is 0.6% of the loan amount, with the maximum not exceeding 1.500 yuan.
It is understood that according to the different guarantee companies selected, the specific guarantee fees are also different.