If the bank has no acquaintances to handle it directly, it must find an intermediary or a loan company to handle it, and it needs to pay a handling fee, regardless of whether the bank handles it directly or not, it will generate an evaluation fee.
When banks handle housing loans, usually only the short-listed institutions can recommend business. Some intermediary companies are not shortlisted, so they have to entrust a third party to handle it, and naturally they need to pay a handling fee. Moreover, some intermediaries were shortlisted, and people also paid fees, deposited money in the bank, or agreed to other requirements of the bank, such as pulling deposits and buying funds, so they also had to charge loan fees for being shortlisted.
2065438+June 2004, the National Development and Reform Commission and the Ministry of Housing and Urban-Rural Development jointly issued the Notice on Liberating Real Estate Consulting Fees and Decentralizing the Management Power of Real Estate Agents. The pricing power of real estate commission fees has been decentralized to various places, and the restrictions on commission fees have been abolished in many places, and market pricing has been implemented. In other words, the price is freely fixed by the entrusting party through consultation with the institution.
Extended data:
Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.
20165438+the latest survey data of 2003124 October shows that according to the sample data of 10,1-132
2065438+June 2008, Beijing Industrial Bank has outlets to raise the interest rate of the first home loan by 30% compared with the benchmark interest rate. The staff of a branch in Chaoyang District of Industrial Bank said that the current branch notice is that the interest rate of the first home loan will rise 10% on the basis of the benchmark probability. "The interest rates of other outlets are not clear."
There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.
References:
Mortgage loan-Baidu encyclopedia