The cost of intermediary housing mortgage loan is high, and intermediary companies can earn a lot of profits by handling housing mortgage loans. Generally speaking, they charge 3% of the housing loan as a handling fee. If the loan is 6.5438+0.5 million yuan, then the handling fee is 45 thousand yuan. In addition, the loan interest rate will be different according to the loan term and the situation of different banks, and the difference is still relatively large. The longer the general life expectancy, the lower the interest rate. Most intermediary companies, mortgage interest rates, will rise by about 20%-30%. However, the cost of housing mortgage loans through intermediaries is still much lower than that of private lending. Mortgage or pawn? Beware of being embezzled by an intermediary and looking for an intermediary to handle mortgage loans. If you trust the intermediary too much, submit personal identity documents, household registration books, and entrusted notarization. For intermediaries, intermediaries can use these materials to pawn mortgage loans! The lender didn't know the house was pawned until he received a dunning call from the pawnshop. Moreover, the general redemption period is three to six months, which is a quick short-term financing behavior. Remind everyone that it is best for ordinary buyers not to chip in to buy a house through mortgage loans. Because the mortgage procedures are relatively complicated and the interest rate is relatively high, the pressure on buyers is still great. In addition, you must find a formal intermediary to get a loan from the bank for mortgage loans, and don't hand over the real estate license and ID card easily.
How can intermediaries help with loans?
Real estate intermediary loan process steps:
1. The borrower submits a written loan application and provides relevant materials.
2. The buyer and the seller open an account in the loan bank, and the buyer deposits the down payment in full into the account designated by the loan bank.
3. After investigation and approval by the lending bank, the borrower and the lending bank sign a loan contract and a transfer deduction authorization.
4 for housing transfer, insurance, notarization, mortgage registration and other procedures.
5. Proof of property right transfer. The borrower shall submit the house ownership certificate, house ownership certificate and insurance policy (original) of the purchased house that has gone through the mortgage registration formalities to the loan bank for mortgage.
6. Transfer loans. After the above procedures are completed, the loan bank will transfer the loan to the account opened by the borrower in the loan bank, and then transfer the loan from the borrower's account to the seller's account at one time according to the authorization of the Power of Attorney for Deduction.
1. Conditions for real estate agents to apply for loans: 1, with permanent residence in cities and towns or valid residence status;
2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;
3. There is a purchase contract or agreement;
4. Be able to pay a deposit of not less than 50% of the national defense evaluation price after full purchase;
5. Agree to use the purchased house as collateral, or provide assets recognized by the loan bank as collateral or pledge, or have a unit or individual with guarantee qualification and sufficient compensation capacity as a guarantor to repay the principal and interest of the loan and bear joint liability;
6. Other conditions stipulated by the lending bank.
2. When the real estate agent handles the loan, the borrower needs to provide the following materials: 1. Housing transaction contract signed by the buyer and the seller and signed by the competent department;
2. The ownership certificate of the purchased house and the certificate that someone agrees to sell the house;
3. The borrower's family property certificate and income certificate (including personal income certificate issued by the work unit, including tax payment certificate, bank deposit certificate, real estate certificate, securities, etc.). );
4. The borrower's legal and valid identity certificate (referring to the resident identity card, residence booklet or other valid residence certificate) and proof of marital status;
5. The document that the borrower and * * * people agree to mortgage the purchased house.
What should I pay attention to when applying for mortgage loan from a bank through an intermediary?
First of all, if you find an intermediary company to handle housing mortgage loans, the handling fee is very high, and many intermediary companies will raise the interest rate of mortgage loans, which may rise a lot on the basis of the benchmark interest rate.
Generally speaking, they charge 3% of the housing loan as a handling fee. If the loan is 6.5438+0.5 million yuan, then the handling fee is 45 thousand yuan. In addition, the loan interest rate will be different according to the loan term and the situation of different banks, and the difference is still relatively large. The longer the general life expectancy, the lower the interest rate. In most intermediary companies, the mortgage interest rate will rise by about 20%-30%.
Secondly, if you find an intermediary to handle mortgage loans and give your personal information, real estate license and entrustment certificate to the intermediary, the intermediary may use these materials to dispose of the house at will, and the safety will not be guaranteed.
Therefore, when choosing an intermediary company, everyone must be careful to be cheated.
Can the real estate agent help with the mortgage?
Yes, you can, but you'd better do it yourself. As long as you find a real estate agent, they will help you. You just need to provide the materials they ask you to provide. If you buy real estate in an intermediary company, the intermediary company can help you with the mortgage.
Extended data:
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Mortgage, also called personal housing loan. Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.
Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing. Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
The borrower shall provide the lender with the following information: identity documents; Proof of stable income of the borrower's family; Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements; List of collateral or pledge, proof of ownership and proof that the person with the right to dispose of it agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate; To apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department; Other documents or materials required by the lender.
How do real estate agents charge for helping customers with bank loans?
The fees charged by different institutions are different and can be negotiated.
General loan fees are not charged directly by intermediary companies with customers, but through so-called guarantee companies. Actually, it's the same. Larger intermediary companies have departments dedicated to helping customers with loans, and small companies cooperate with guarantee companies to establish separate accounts. Usually the guarantee is 3:7, and the intermediary is 7! Some even charge more. This is the price you pay for bargaining on the agency fee!
Extended data:
The fee of the loan intermediary is charged to the customer. At present, the whole loan intermediary industry is not standardized. Loan intermediary companies need to survive, and bosses and employees need to make money. They have a natural motivation to make excuses and charge fees through various new terms. At this time, there will naturally be some problems:
1, one is to charge according to the loan amount.
For example, he will tell customers that 65438+ 10,000 yuan will receive 3%,10-300,000 yuan will receive 2%, and more than 300,000 yuan will receive 1%.
2. Tell customers that if they have good credit, they will charge less, and if they have bad credit, they will charge more.
Why?
Because the credit information is good, the intermediary will give less information to the customer, so its own cost will be low.
If the credit information is not good, the intermediary will give more information to the customer and its own cost will be high.
Charge standard of intermediary loan
Intermediary loan service fee, to put it bluntly, is the loan service fee. Different loan service fees have different intermediary service fees, some of which are charged according to the loan amount, such as a loan of 300,000 yuan. There is a handling fee of 3000 yuan, and there is a one-time charge, which means that no matter how much the loan is, there is a one-time charge. Of course, this fee depends on the communication between the intermediary and the customer, and can also be reduced appropriately. Now the intermediary loan service fees are set by the intermediary itself, and there is no standard in the country.
Housing agencies can charge a certain loan service fee, which is regulated by the market and set by each agency. On this basis, property buyers can shop around and choose by themselves. However, the contract must be signed on the premise of mutual consent. When providing this service, the operator shall not force consumers to accept the service, but shall fulfill the obligation of informing in advance and make clear the subject, content and amount of charges.
It should be noted here that when an intermediary company collects an intermediary fee, if it has promised you that the fee includes transaction, registration and mortgage services, it should not charge a loan service fee.