When the bank handles the mortgage loan, the bank will ask an appraisal company to go to the lender's home to evaluate the value of the house. The average appraisal company will earn three thousandths of the total appraisal amount. For example, a house with a price of 1 10,000 yuan is 3,000 yuan, and the price charged by each guarantee company is different, but it is similar.
The process of handling mortgage loan is as follows:
1. Submit the lender's information, such as ID card, household registration book, marriage certificate, income certificate, bank account, property certificate and land certificate (for married people, provide the information of both husband and wife);
2. After the above information is submitted to the bank, the bank will inquire about the credit information of the lender and family;
3. There is no problem with credit reporting. The bank will call the lender to review and evaluate the house price;
4. Sign a loan contract with the bank after approval;
5. mortgage his rights;
6. Bank loans;
7. Just repay on time;
Second, how to calculate the assessment fee charged by the mortgage bank of real estate license?
The appraisal fee depends on the specific value of the house:
If it is less than 1 or 1 ten thousand yuan (including 1 ten thousand yuan), 0.42% of the total evaluation price will be charged;
2, 1 10,000 yuan to 5 million yuan (including 5 million yuan) progressive billing rate is 0.3%;
0.12% of the total evaluation price will be charged from 35 million yuan to 20 million yuan;
4, 20 million yuan to 50 million yuan (including 50 million yuan) is 0.06% of the total evaluation price;
5. If the amount is more than 50 million yuan, 0.0 12% of the total evaluation price will be charged.
3. How to calculate the assessment fee charged by the mortgage bank of real estate license?
Within 500,000 yuan, 1 10,000 yuan or more is one thousandth of the transaction price in 300 yuan (according to bank charges).
Four, how to calculate the loan evaluation fee?
Mortgage appraisal fee: the real estate appraisal adopts differential fixed rate progressive charging, that is, the rate is divided into grades according to the total real estate price, and the fees of each grade are calculated according to the grade, and the cumulative sum of the fees of each grade is the total fee. First, when paying the mortgage fee, please ask the assessment fee of the intermediary agency; Mortgage registration fee paid by the Land Bureau; Notary fees charged by the notary office. The process is simple. The form should be signed and sealed by both parties who handle the mortgage, and then the original land certificate, business license and board resolution should be obtained? The Bureau of Land and Resources will make a list of these materials, and the proportion of fees can be negotiated, such as evaluation fees. Giving a piece of land of 5 million yuan to 202 1 yuan is almost the same. The same is true of Land and Resources Bureau and Notary Office. It depends on your ability. If you are in a small city, you may get a discount of 1 if you have acquaintances, just collect them symbolically. Second, the housing assessment fee standard Housing assessment fee is charged according to the quality of materials used in housing construction and the area of the house. Different assessment agencies have different charging standards. The money spent by Mr. Xiong may have been collected by the intermediary. The appraisal company charges an appraisal fee of 0.5% of the transaction price. The purpose of real estate appraisal is to check whether the amount of housing loan or mortgage loan is enough for the loan standard. For example, to buy a house of 300,000 yuan requires a loan of 200,000 yuan. The loan bank entrusts an appraisal company to inspect the house on the spot, and the final appraisal price is 240,000 yuan. If your loan amount exceeds 80% of the appraised price, your loan will not be approved. If it exceeds 250,000 yuan, the maximum loan can be calculated as 80%, and the general charge is 3/1000 to 5/1000 of the evaluation price. The evaluation of commercial housing generally refers to the current market price. In the evaluation process, from a big perspective, the location of the house, surrounding facilities, environment and other factors will be comprehensively considered; Small aspects of the floor, huxing, orientation, ventilation and lighting. In addition, the old house mainly depends on the floor and apartment type; New residential areas should investigate the floor area ratio, scale, spacing and related leisure places. The evaluation work is generally completed by professional appraisers. If you want to issue a special evaluation report and certificate, you can find a special evaluation company to do it. The general charging standard is around 5%. Three. Description of personal real estate mortgage loan 1. Information required for real estate mortgage loan: A. Real estate license B. Real estate ID card C. Household registration book 2. Loan amount: urban real estate is priced at 70%-80% of the appraised value, and suburban real estate is priced at 60% of the appraised value. 3. Loan interest rate: The benchmark interest rate for bank loans is 5.3 1%. 4. Repayment method: pay interest quarterly and repay the principal when due. 5. The loan can be obtained within 15 working days after the information is submitted to the bank.