1. Calculation method of mortgage loan guarantee fee: the guarantee rate of general mortgage loan is 0.3 ‰-0.5 ‰ per year, and the calculation formula is: mortgage loan guarantee fee = loan amount * guarantee rate * loan term. Suppose the interest rate is 0.4‰, the loan is 500 thousand, and it will be paid off in 20 years. 2. The guarantee service fee shall be charged in a lump sum according to the guarantee amount in the form of decreasing rate and accumulation by sections. 1-10 years (including10 years) shall be charged at 0.5‰ of the insured amount of 65438+ every year; 1 1-20 years (including 20 years) shall be charged at 0.0‰ of the insured amount of 65438+ every year; 2 1-30 years (including 30 years) shall be charged at 0.5‰ of the guaranteed amount every year. The total amount of guarantee service fees is the sum of each guarantee service fee, and those less than 500 yuan will be charged according to 500 yuan. The guarantee fee is charged according to the 80 yuan of each household.