1. There are two ways to calculate the guarantee fee. 1 is the guarantee fee for general mortgage loans. According to the calculation formula: loan amount × guarantee rate × loan period, and the guarantee rate is about 0.3‰~ 0.5‰ per 10,000 yuan per year. The second is that some cities have stipulated that the mortgage guarantee fee rate is calculated by the decreasing rate method. 2. Within 10 years (including 10 years),10.5 ‰ of the guarantee amount shall be charged annually. From 1 1 to 20 years, 1.0‰ of the guarantee amount will be collected every year. 2 1 to 30 years, 0.5‰ of the guarantee amount will be charged annually. The sum of these amounts is the total amount of guarantee. Less than 500 yuan, according to 500 yuan. There is also a guarantee fee for each household in 80 yuan. Whether it is a provident fund loan or a commercial loan, the borrower needs to pay this guarantee. However, the guarantee fee is more or less, and personal repayment ability and credit history need to be considered. Generally, banks will review the borrower's credit history first, and also look at the borrower's loan method, and see if additional guarantee fees are needed according to the actual situation. Article 690 of the Civil Code of People's Republic of China (PRC) * * * A guarantor and a creditor may enter into a maximum amount guarantee contract through consultation, stipulating that within the maximum amount of creditor's rights, the creditor's rights occurring continuously within a certain period of time shall be guaranteed. In addition to the provisions of this chapter, the maximum amount guarantee shall be governed by the relevant provisions of the maximum amount mortgage in Part II of this Law.
Second, Nanjing bought a second-hand house in the intermediary, and plans to use the provident fund loan of 330,000 yuan. The agent asked me to find a guarantee company. Do you know how to charge the guarantee fee?
It must be that the provident fund loan has a designated guarantee company, that is, a housing home purchase guarantee company.
This book is due to the administrative system. Because the provident fund management center is a public institution, it cannot operate in the market. Therefore, the establishment of housing property rights guarantee companies, market-oriented operation, so your provident fund loan contract is a tripartite subject. Of course, they are actually a family. Besides the guarantee fee, there seems to be an evaluation fee or something. The original guarantee fee or insurance premium of 30 15 is less than 3000! I don't know how many of you are. If it is too much, compare it with others. Intermediaries can also find more.
3. How to calculate the mortgage guarantee fee in Nanjing?
Mortgage guarantee fee means that in order to avoid mortgage risks, banks generally need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity. If you can find friends or relatives who are willing to provide you with guarantees and have financial strength, you can issue written documents and credit certificates for the bank. If you can't, you need to go to a professional guarantee company, and they will provide you with a guarantee and pay the fees at this time.
The guarantee rate of mortgage loan is generally 0.3 ‰-0.5 ‰ per 10,000 yuan per year, and the calculation formula is: loan amount, guarantee rate and loan term. Suppose the interest rate is 0.4‰, the loan is 500 thousand, and it will be paid off in 20 years. Then the guarantee fee to be paid is: 500.4‰20=0.4 million yuan.
4. How to calculate the mortgage guarantee fee in Nanjing?
Nanjing mortgage guarantee fee is a personal housing loan.
At present, the housing provident fund loan is guaranteed by the housing property guarantee company, and the guarantee fee needs to be paid.
The guarantee fee of the provident fund is collected in one lump sum. Generally, the guarantee fee and repayment amount are deposited in the repayment account of the lender for deduction in the first month of repayment.
The guarantee fee of provident fund loan is based on the loan amount and fixed number of years. The mortgage certificate can only be issued when the house is handed over, while the loan certificate can only be issued after the house is transferred and the two certificates are complete. This not only makes the loan procedure cumbersome, but also makes the seller face the embarrassing situation that the house and property may be emptied. In order to avoid this situation, the mortgage guarantee fee came into being.
Mortgage loan (including commercial loan, provident fund and portfolio) generally has two fees: one is mortgage registration fee, which is used for mortgage registration in the real estate bureau, and the bank collects insurance fees. The charging standard is the loan amount; Term of loan. This is voluntary, and banks generally do not force it.
Calculation of personal housing loan guarantee fee: the premium standard is: the balance of loan principal and interest at the beginning of the year is collected at the same time. The mortgage guarantee fee is the mortgage guarantee fee as long as there is a guarantee certificate from the economic organization.