If it is handled quickly, the agency fee is 3% to 9% of the loan amount. The product interest rates and application conditions of different banks will be different. Ordinary lenders cannot fully understand the loan policies of major banks, and many banks may refuse to apply for banks on the same day. The loan intermediary is relatively familiar with the conditions of the current policy bank bank application, thus matching the best products at present, being relatively familiar with the loan process, operating quickly and greatly improving the pass rate. The agency fee is calculated according to the percentage of the loan amount, generally ranging from 3% to 9%. Mortgage loan is the behavior that the borrower applies for RMB loan from the bank with the property under his name as collateral.
Second, the top ten suggestions for real estate mortgage?
The top ten tips for mortgaging real estate are as follows:
1. Generally speaking, in all loan businesses, real estate mortgage loans can borrow the most funds, which can meet the borrower's demand for funds to the greatest extent.
2. In all loan businesses, real estate mortgage loan can not only meet the needs of borrowers to the greatest extent, but also lend more funds, and the loan period is long enough. New houses can be loaned for 30 years, and second-hand houses can be loaned for up to 20 years. Therefore, it can better alleviate the repayment pressure of borrowers.
3. Compared with mortgage loan, the interest rate of real estate mortgage loan is relatively low, and the annual interest rate is a common statement and calculation method, which makes the loan interest less and can minimize the borrower's loan cost.
4. In terms of credit reporting, the credit reporting and personal work of real estate mortgage loans are more relaxed than other loan businesses, focusing on housing-related issues. The housing itself is not a big problem, and the pass rate is still very high. However, if you want to get low-interest products from banks, the requirements for credit information and qualifications of borrowers are still very strict.
The lending cycle of real estate mortgage loan is still very fast, usually between half a month and two months. If you ask the financial intermediary for help, you can lend more quickly.
6, real estate mortgage restrictions
1, age limit, at least 18 years old, with full capacity for civil conduct;
2. Due to the differences in real estate assessment, an appraisal report is required when applying for real estate mortgage loan, but the bank will also appoint an appraisal agency to re-evaluate the value of the real estate to be mortgaged. If there is a big discrepancy between the two, it is likely that the bank will refuse the loan because it thinks you are suspected of fraudulent loans;
3. Restrictions on personal credit, such as unstable professional income, bad credit and inability to pay. Many people want to get a high loan, but you have to have a corresponding income to match it.
7, real estate mortgage loan application materials
1, original property certificate, house purchase contract and invoice;
2. Original ID card and household registration book;
3. Marriage certificate;
4. Original spouse ID card/original property owner ID card.
8. Amount of real estate mortgage loan
Generally speaking, different houses have different mortgage loans. Under normal circumstances, the mortgage of commercial housing can reach 70%, the mortgage of shops and office buildings can reach 60%, and the mortgage of industrial plants can reach 50%. For example, Xiao Li in chenghua district has a house with an appraisal value of 1 10,000 yuan, so Xiao Li Can can get a mortgage loan of 700,000 yuan at most, and the specific loan amount is also related to the borrower's work, income, credit information and other factors, so if you have any questions about the loan amount, you can directly call Rongcheng CreditEase Customer Service Hotline for free consultation on house appraisal.
9. Real estate mortgage interest rate
The mortgage interest rate of real estate fluctuates on the benchmark interest rate of central bank loans, and the benchmark interest rate is:
1, loans within one year (inclusive), with an annual interest rate of 4.35%;
2. For loans from one year to five years (inclusive), the annual interest rate is 4.75%;
3、
Third, how much does it cost to find an intermediary for real estate mortgage?
Agency fees for second-hand houses and related laws and regulations:
1. In order to standardize the market price behavior of economic services for house buying and selling, and reduce the burden of economic services for house buying and selling, the Central Development and Reform Commission and the Housing Construction Committee jointly issued the Notice on Reducing the Fees for Brokerage Services for House Buying and Selling (hereinafter referred to as the Notice). The "Notice" stipulates that the housing brokerage service fee shall be borne by the buyer and the seller in half or determined by the buyer and the seller through consultation; The unified charging standard for residential brokerage services shall not exceed 2%.
2. Other services provided by real estate brokerage agencies (hereinafter referred to as brokerage agencies) shall be voluntarily selected by the buyers and sellers of houses, and clearly agreed in the purchase contract. Among them, the real estate registration service fee does not exceed 500 yuan/case; Charge for agency loan service, not exceeding 300 yuan/case; The cost of handling the relevant formalities of house occupancy shall not exceed 200 yuan/case; According to the requirements of the client, the price of other services provided shall be regulated by the market, which shall be agreed by the client and the brokerage institution through consultation.
How to calculate the agency fee for second-hand houses;
1. Generally speaking, the agency fee for second-hand houses is 65438+ 0% to 2% of the house transaction price. At present, there is no uniform provision for intermediary service fees, which are generally charged according to industry habits. Then let's take a look at the general charging standards of second-hand housing agencies.
2. At present, the agency fee for second-hand houses is generally charged at 2.7% of the total house price, including 2.2% agency fee and 0.5% guarantee service fee (guarantee fee). Small intermediary companies generally charge 1- 1.5% of the transaction price of second-hand houses, and sometimes try to collect them if they can't receive them, because they earn the intermediary fees of second-hand houses themselves.
3. The intermediary company said that 2.7% of the economic service fee has included real estate registration and related procedures for second-hand housing occupancy. And the buyers only need to pay the house payment in 80 yuan and the provident fund loan guarantee in 1.500 yuan collected by the company.
Second-hand housing agency fees can be negotiated:
1. Of course, the agency fee for second-hand houses can be negotiated. Although the government authorities stipulate that a few particularly complicated residential brokerage services can only be determined by the consent of the parties to the transaction, they can be appropriately floated on the basis of the prescribed charging standards, and the floating rate shall not exceed 10%.
2. If you know the second-hand housing agent,
Note: At present, the agency fee for second-hand houses is generally charged at 2.7% of the total house price, including 2.2% agency fee and 0.5% guarantee service fee (guarantee fee). Small agencies generally charge 1- 1.5% of the transaction price of second-hand houses. In fact, the intermediary fees for second-hand houses are generally charged according to industry habits. The above is the collation of the knowledge of second-hand housing agency fees. I hope the above content can help you.
4. How much does it cost to find an intermediary for real estate mortgage?
It doesn't cost money to go to the bank for mortgage consumer loans, mainly because people don't understand this, so it usually takes 1-2 points to get it, and then the intermediary company will help you get it!