Mortgage agency fee: the service fee charged directly by the mortgage company. The charging standard is × (1% ~ 1.5%) of the loan amount.
1. 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% shall 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 per case;
(6) Notarial fee for sub-mortgage contract agreement: 300 yuan/piece;
(7) Transaction entrustment notarization fee: 200 yuan per piece;
(8) Agency fee for bank provident fund: each case of 500 yuan is collected 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: 0.005% of the loan amount, which will be collected by the bank.
2. The transaction tax shall be directly collected by the Housing Authority, and the buyer and seller shall pay the corresponding tax separately according to the regulations. Real estate transaction tax includes:
(1) Transaction deed tax: appraisal price ×1.5%; (buyer)
(2) Transaction stamp duty: the appraised price × 0.05%; (both parties)
(3) Transaction management fee: 3 yuan for residential property and 6 yuan for commercial property; (both parties)
(4) Transaction registration fee: 60 yuan/person per case, calculated according to the number of owners registered in the real estate license; (buyer)
(5) Surveying and mapping fee: per person in 50 yuan, calculated according to the number of owners registered in the real estate license; (buyer)
(6) Stamp duty on title certificate: each 5 yuan. (buyer)
(7) If the property purchased or traded by the unit is non-residential, the transaction deed tax standard is the appraisal price ×3%.
(8) If the transaction property is a reformed house, individual income tax shall be paid when it is sold and released: transaction price × 1.3%, land transfer fee × 1%, and pool area difference: interior area × 10.98%× appraisal price × 10%. The standard of seller's premium for second-hand commercial housing transactions is 60 ~ 120 yuan/_.
Extended data:
1, real estate mortgage steps:
(1) Find the receiving bank that can offer preferential interest rate and submit the application for re-mortgage.
(2) Sign a loan contract with the bank and a guarantee agreement with the guarantee company. Generally speaking, banks will help applicants find guarantee companies.
(3) Provide the information needed for loan approval to the next bank, including ID card and household registration book.
(4) After the next bank is approved, the guarantee company will issue a letter of guarantee.
(5) The lender applies to the original loan issuing bank for full repayment in advance.
(6) After fully repaying the loan to the original loan issuing bank in advance and retrieving the certificate of other rights of the mortgage, cancel the mortgage at the trading center.
(7) After 7 days, apply for a new mortgage at the trading center.
2. Precautions for mortgage of second-hand real estate:
(1) After the original owner's loan in the bank was paid off by the new buyer, the original owner suddenly changed his mind and refused to transfer;
(2) The new buyer refuses to repay the loan;
(3) The bank does not agree to the loan;
(4) After the transaction is completed, the original owner can't get the remaining house payment smoothly;
(5) After the transaction is completed, the new buyer can't get the real estate license smoothly. Both parties to the transaction must carefully weigh and try to avoid these risks.