Buying and selling a house is a troublesome process. Most buyers and sellers can't complete this procedure, so they can only hand it over to the housing agency. The following small series will introduce you to how the mortgage intermediary charges.
How much does the mortgage agent charge?
Under normal circumstances, the agency fee is 65438+ 0 ~ 3% of the transaction price; 50% for both buyers and sellers; However, this is sometimes done unilaterally and can be negotiated by both parties. Generally speaking, it is enough to charge an intermediary fee of almost several thousand yuan for running errands. If the intermediary company is larger, the fee will be higher. If the materials are complete, you can go to the bank yourself, which can save a lot of money. If the materials are not so complete, there may be some incurable diseases. In this case, the fees will be high. Generally speaking, it is possible to charge 1 to 20,000. Generally speaking, the loan fee intermediary company will not charge you directly, but through the so-called guarantee company. If it is a big company, there is a department that specializes in helping customers with loans. If it's a small company, cooperate with the guarantee company and divide the accounts. Generally speaking, it is 3:7, guarantee company 3 and intermediary 7.
First, we must first find out whether the intermediary company requires buyers and sellers to sign sales contracts. If not, the intermediary company has no right to charge fees, but the intermediary company can charge a certain service fee.
Second, if the buyer and the seller sign a contract through an intermediary company, but in the end the two parties fail to complete the transaction smoothly, then the intermediary company can also charge an intermediary fee at this time.
Thirdly, the intermediary company facilitated the signing of the sales contract (agreement) between the buyer and the seller, but it was precisely because of the intermediary company that the buyer and the seller failed to fulfill the contract and complete the transaction, so in this case, the intermediary company could not charge the intermediary fee.
Summary: There are so many mortgage agencies on how to charge. This charging standard is also determined according to the actual situation in China. If it is more difficult to handle the charges, the charges will be higher.
Charge standard of second-hand housing agency loan
Agency fee standard 1. Agency fee: general cash 1%, loan 2%; 2. Loan service fee: 1% of the turnover. Three. Guarantee fee: Individual intermediary companies charge an additional 0.5% transaction guarantee service fee, commonly known as "guarantee fee". Four, the agency real estate registration service charges, the maximum is not more than 500 yuan/case, the agency loan service charges, the maximum is not more than 300 yuan/case.
How much does the agency fee of the loan company generally charge?
The agency fee charged by the loan company is generally 1000 to 5000. There are two ways to charge a loan intermediary: (1) charging a fixed loan fee according to different loan products, generally ranging from 1000 to 5000; For example, for car loans, the general vehicle registration fee is about 500, the guarantee fee is about 200, the car evaluation fee is 300, and the GPS installation/disassembly fee is 200. Some mortgage lending institutions are also fixed at around 1 1,000 yuan, and some loan intermediaries charge 1, 500 yuan. The handling fee or service fee is generally based on the evaluation fee. (2) According to the percentage of the loan amount, it is generally charged 3% to 9% (some lending institutions are also called points; E.g., 3 points)
A loan intermediary company is a financial service institution that earns commissions through its services. It can be understood that if you pay the fee, everything they can do for you can basically help you operate, which can save a lot of time. Similarly, people who eat by this service must be professional, and we can make our choice as cost-effective as possible from many professional aspects.
1. Generally speaking, there are several points in the loan agency fee: the loan agency fee is not clearly stipulated. Generally speaking, the normal agency fee is between 3- 10. The handling fee of the loan intermediary is determined according to the customer's city and personal qualifications. For example, in first-tier cities, the score is generally above 10, because customers only need to cooperate to provide information, and other things are handled by intermediaries, so the handling fee will be more expensive. Some intermediaries will also reduce the price by a few points to attract customers, so they are basically between 3- 10.
2. Is the loan intermediary company reliable: Generally speaking, the intermediary company is reliable, because the purpose of the formal loan intermediary company is to help customers complete the loan processing, and then charge a certain fee according to the work. The amount of handling fee usually depends on the difficulty and workload of the work, so the handling fee may be different for everyone. What Bian Xiao wants to emphasize here is that the above situations are usually based on the choice of formal intermediary, but now many intermediary companies, large and small, cheat in the name of intermediary, so this is also the reason why intermediary companies have a bad reputation. We must be cautious when choosing and inspecting loan intermediary companies. If it is a small-scale loan intermediary and needs to collect fees in advance, it is necessary to be vigilant. Most of these units are unreliable, because formal intermediaries rely on service and reputation to operate in addition to making money themselves. Overcharging in the early stage is basically not the style of formal units.
How much is the loan agency fee?
At present, there is no fixed charge ratio for bill items and handling fees of loan intermediaries. The charging rules of each intermediary are different. The handling fee of credit intermediary is generally calculated according to the loan amount, the difficulty of loan operation, personal credit record and the cooperation of the borrower. There are two charging methods for loan intermediaries:
1. Fixed loan fees are charged according to different loan products, generally between 1000-5000; For example, for car loans, the general vehicle registration fee is about 500, the guarantee fee is about 200, the vehicle evaluation fee is 300, and the GPS installation/disassembly fee is 200. Some mortgage institutions are also set at around 1000. Some loan intermediaries charge 1500 yuan. Fees or service charges are usually based on assessment fees.
2. According to the percentage of the loan amount, a fee of 3% to 9% is usually charged.
1) Intermediary fee refers to the reasonable fee charged by an intermediary agency with intermediary service qualification in the process of providing services and in the process of purchasing and leasing according to the transaction time node. In housing transactions, intermediary costs are generally borne by buyers and sellers. Of course, they are also entirely borne by the seller. As long as the parties reach an agreement, there is no strict restriction on who will bear the expenses of the middleman.
2) It is recommended to apply for loans through formal channels, such as Agricultural Bank of China. Agile online loan is defined as a small consumer loan issued by Agricultural Bank of China in cash to individual customers of Agricultural Bank of China who meet the following application conditions: basic conditions: 18 years old, under 60 years old. Have People's Republic of China (PRC) nationality and full capacity for civil conduct. Hold legal and valid identity documents. Our bank is a customer of e-banking and has the security authentication tools issued by our bank. (Currently, only second-generation customers of KBao are supported) The credit status is good, and there is no outstanding balance of "Wang Jie Loan" and "Wang Jie Loan". Stable income and the ability to repay loans on time. The purpose of the loan is reasonable.
3) Loan type: personal credit loan. Personal credit is a fashionable loan method, so what conditions do you need to apply for this kind of loan? Generally speaking, banks require borrowers to have second-generation ID cards, stable work permits, income certificates and loan termination certificates; Personal credit status is good; There are certain restrictions on the income of borrowers. The average monthly income of borrowers is generally not less than 4000 yuan.
What is the charging standard of the loan intermediary company?
The state has no clear law on agency fees, but Shanghai Administration for Industry and Commerce, Price Bureau and Real Estate Bureau have corresponding documents. Agency fee: general cash 1%, loan 2%. Loan service fee: 65438+ 0% of the turnover. Guarantee fee: Individual intermediary companies charge an additional 0.5% transaction guarantee service fee, commonly known as "guarantee fee". The loan service fee shall not exceed that of 300 yuan.
So much for the introduction of how loan intermediaries collect money.