I would like to ask the Bank of China to pay the evaluation fee and insurance premium for the loan to buy a first-hand house, but it is not needed here.

In the past, banks charged assessment fees and insurance premiums. However, with the intensification of competition in the banking industry, most banks have cancelled. So should the Bank of China. My buddy's advice to you is as follows:

1. If your building has signed contracts with several banks, you can consult other banks.

2. If your building only signs a contract with the Bank of China, then ask if you can apply for provident fund loans. Generally, you will not be charged.

3. If the above situations are inconsistent, you can talk to the account manager of China Bank, who generally has certain authority.