Mortgage fees and mortgage fees are fees charged by intermediaries to buyers, and banks do not charge them. Intermediary fees are only for making more money, and there is no specific calculation method. For reference only. When mortgage or sub-mortgage is involved, the service fees of mortgage companies, appraisal companies, banks and other related institutions need to be paid. The mortgage fee mainly includes: 1, and the house survey fee: 90 yuan for each certificate, which will be collected by the Housing Authority; 2. Housing appraisal fee: the appraisal price ×0.5%, which will be collected by the appraisal company. Do not need an assessment report, only the initial assessment fee 300 yuan; 3. Mortgage agency fee: the service fee charged directly by the mortgage company, with the standard of loan amount × (1%~1.5%); Different mortgage companies have different standards, which are generally 1% or 1, 2% of the loan amount; 4. Loan insurance premium: loan amount × 1.2×0. 1%× loan period, which shall be collected by the insurance company. The longest term of second-hand housing mortgage loan is 20 years; 5. Notarial fee for loan contract: 300 yuan for each case; 6. Notary fee for the agreement on the mortgage contract: 300 yuan for each case; 7. Transaction entrustment notarization fee: 200 yuan per piece; 8. Bank provident fund agency fee: each 500 yuan case is charged by the corresponding bank; 9. Registration fee for other rights: 250 yuan for each certificate (500 yuan for each certificate in Panyu) shall be collected by the Housing Authority; 10, loan stamp duty: loan amount ×0.005%, collected by the bank. Among them, most banks do not charge agency fees for bank provident funds. In addition, individual banks will charge a refinancing fee, ranging from 1 1,000 yuan per case in 500 yuan.
Legal basis:
Article 464 of the Civil Code: A contract is an agreement between civil subjects to establish, change and terminate a civil legal relationship. Agreements on status relations such as marriage, adoption and guardianship shall be governed by legal provisions on such status relations; If there are no provisions, the provisions of this part can be applied according to their nature.
Do I have to pay a handling fee to buy a second-hand house and borrow from the bank?
Hello, there are handling fees for second-hand housing loans, mainly housing evaluation fees and guarantee fees:
1, the house appraisal fee, which is generally three thousandths of the appraisal value, the lowest fee is 300 yuan and the highest is 1500 yuan.
2. The guarantee fee is generally three thousandths of the loan amount, and the minimum fee is 300 yuan.
：
1. What is the process of handling second-hand housing loans?
1. The materials that need to be prepared for handling the second-hand housing loan should be made clear to the bank before handling the loan. What materials and certificates both buyers and sellers need must be prepared in advance. The first is the application form for mortgage loan, proof of letter of intent for house purchase and other materials. Then, the buyer should prepare his own proof of income with official seal, and the person he can contact, telephone number, address, ID card, household registration book and marital status should also be submitted to the bank. The seller is also required to provide identity cards, household registration books, certificates of consent to sell, and proof of house property rights.
2. The bank evaluates the house applying for the loan. Not all second-hand houses can be loaned, but it is also related to the age of second-hand houses. Too old banks don't lend. After the required materials are submitted completely, the bank will arrange a time for a professional real estate appraisal agency to evaluate the market price of the house, so as to calculate the loan amount.
3. Bank Approval If your information and documents are provided to the bank and the house meets the loan conditions, after the completion of real estate assessment, the bank will review the relevant qualifications of the second-hand house purchaser, that is, the loan applicant, and determine the loan amount accordingly. Its approval needs to refer to the lender's income, housing evaluation price and other aspects.
4. After the transfer and mortgage loan are approved, the buyer and the seller can handle the transfer and mortgage after the transfer. After the approval, the buyer can pay the down payment to the owner and issue the down payment certificate. Then the buyer and the seller carry this voucher, and the bank staff carry the approved mortgage application review commitment and other materials to the local real estate exchange for the transfer of house ownership certificates. Give the certificate of immovable property rights to the bank as collateral, and after the transfer, give the certificate of immovable property registration to the bank, and the bank will use it as collateral. At this time, the bank will truly unify the loan application for second-hand housing. After all the formalities are completed, the bank will divide the deposit accounts of the buyers in turn or at one time according to the amount agreed in the loan contract. abstract
Do I have to pay a handling fee for buying a second-hand house and a bank loan? Ask a question
Hello, there are handling fees for second-hand housing loans, mainly housing evaluation fees and guarantee fees:
1, the house appraisal fee, which is generally three thousandths of the appraisal value, the lowest fee is 300 yuan and the highest is 1500 yuan.
2. The guarantee fee is generally three thousandths of the loan amount, and the minimum fee is 300 yuan.
：
1. What is the process of handling second-hand housing loans?
1. The materials that need to be prepared for handling the second-hand housing loan should be made clear to the bank before handling the loan. What materials and certificates both buyers and sellers need must be prepared in advance. The first is the application form for mortgage loan, proof of letter of intent for house purchase and other materials. Then, the buyer should prepare his own proof of income with official seal, and the person he can contact, telephone number, address, ID card, household registration book and marital status should also be submitted to the bank. The seller is also required to provide identity cards, household registration books, certificates of consent to sell, and proof of house property rights.
2. The bank evaluates the house applying for the loan. Not all second-hand houses can be loaned, but it is also related to the age of second-hand houses. Too old banks don't lend. After the required materials are submitted completely, the bank will arrange a time for a professional real estate appraisal agency to evaluate the market price of the house, so as to calculate the loan amount.
3. Bank Approval If your information and documents are provided to the bank and the house meets the loan conditions, after the completion of real estate assessment, the bank will review the relevant qualifications of the second-hand house purchaser, that is, the loan applicant, and determine the loan amount accordingly. Its approval needs to refer to the lender's income, housing evaluation price and other aspects.
4. After the transfer and mortgage loan are approved, the buyer and the seller can handle the transfer and mortgage after the transfer. After the approval, the buyer can pay the down payment to the owner and issue the down payment certificate. Then the buyer and the seller carry this voucher, and the bank staff carry the approved mortgage application review commitment and other materials to the local real estate exchange for the transfer of house ownership certificates. Give the certificate of immovable property rights to the bank as collateral, and after the transfer, give the certificate of immovable property registration to the bank, and the bank will use it as collateral. At this time, the bank will truly unify the loan application for second-hand housing. After all the formalities are completed, the bank will divide the deposit accounts of the buyers in turn or at one time according to the amount agreed in the loan contract. answer
How to calculate the handling fee of second-hand housing mortgage loan?
Mortgage fees mainly include: 1, housing survey fees: charged by the Housing Authority; 2. Housing appraisal fee: 5% of the appraisal price will be collected by the appraisal company. 3. Mortgage agency fee: the service fee charged directly by the mortgage company, with the loan amount as the standard (1%~1.5); Different mortgage companies have different standards, generally 1% or 1. % of the loan amount; 4. Loan insurance premium: loan amount1%; The loan term is collected by the insurance company, and the longest term of the second-hand housing mortgage loan is 20 years; 5. Notarial fee for loan contract; 6. Notarization fee for mortgage contract agreement; 7. Transaction entrustment notarization fee; 8. Bank provident fund agency fee: charged by the corresponding bank; 9. Registration fee for other rights: collected by the Housing Authority; 10, loan stamp duty: 0.005% of the loan amount, collected by the bank.
Legal basis: Article 36 of the Commercial Bank Law. When a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
What are the mortgage fees for buying a second-hand house?
Mortgage fee
When mortgage or sub-mortgage is involved, the service fees of mortgage companies, appraisal companies, banks and other related institutions need to be paid. Mortgage expenses mainly include:
1. Housing survey fee: 90 yuan for each certificate shall be collected by the Housing Authority;
2. Housing appraisal fee: the appraisal price ×0.5%, which will be collected by the appraisal company. Do not need an assessment report, only the initial assessment fee 300 yuan;
3. Mortgage agency fee: the service fee charged directly by the mortgage company, with the standard of loan amount × (1%~1.5%); Different mortgage companies have different standards, which are generally 1% or1.2% of the loan amount;
4. Loan insurance premium: loan amount × 1.2×0. 1%× loan period, which shall be collected by the insurance company. The longest term of second-hand housing mortgage loan is 20 years;
5. Notarial fee for loan contract: 300 yuan for each case;
6. Notary fee for the agreement of the mortgage contract: 300 yuan per piece;
7. Transaction entrustment notarization fee: 200 yuan per piece.
Extended data:
Repayment method:
1. Equal principal and interest
This is the most commonly used method, and it is also recommended by most banks for a long time. Add up the total principal and interest of the mortgage loan and distribute it evenly to each month of the repayment period. As a repayment, he pays a fixed amount to the bank every month, but the proportion of principal in the monthly repayment increases month by month, and the proportion of interest decreases month by month.
Second, the average capital
1, the so-called average capital repayment method, also known as the repayment method of interest with principal and average capital with unequal interest. The lender will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month.
2. For example, we also borrowed 200,000 yuan from the bank, and the repayment period was 15 years. If equal principal repayment is selected, you need to repay the bank principal11yuan every month, and the interest in the first month is 9 18 yuan, and then you need to repay the bank 2,200 yuan in total in the first month.