The calculation of two mortgage fees of real estate license is: the evaluation fee is about 600 yuan; The legal service fee for applying for a loan is 3‰, and the minimum amount per order is 100 yuan; The insurance amount and insurance period are 0.8‰ (reinforced concrete structure) insurance premium; The mortgage registration fee is 0.30 yuan per square meter of construction area; The notary fee is about 200.
legal ground
Article 3 of the Measures for the Administration of Urban Real Estate Mortgage Registration
The term "real estate mortgage" as mentioned in these Measures refers to the act that the mortgagor provides the mortgagee with debt performance guarantee with his legal real estate without transferring possession. When the debtor fails to perform the debt, the creditor has the right to be paid in priority with the proceeds from the auction of mortgaged real estate according to law.
How to handle the mortgage loan of real estate license and how long will it take? What's the procedure and how much is the fee?
Procedures required for mortgage of real estate license: submit a written loan application to the bank with ID card, household registration book, marriage certificate, real estate license, house purchase contract and bank statement of personal account for nearly six months; Banks review the qualifications of borrowers and open accounts by signing loan contracts, guarantee contracts and entrusted deduction agreements; Go through the mortgage registration formalities at the delivery room management department at or above the county level and use the loan. It usually takes at least fifteen days from application to loan. The mortgage loan of real estate license is suggested to be handled by Moerlong Consulting. The platform does not mortgage the house loan, and the loan can be released as soon as 1 day. Apartment shops can also apply. Convenient and quick, win unanimous praise!
Housing mortgage loan process:
1. Submit personal loan application first;
2. After bank acceptance-evaluate the mortgaged property;
3. Review the loan according to the appraised price and the information provided by the borrower;
4. After passing the examination, sign a loan contract with a law firm and handle the mortgage formalities of real estate warrants;
5. Bank loans.
For more information about mortgage, please consult Morlon. Moerlong is headquartered in Chengdu and currently has subsidiaries in Chengdu, Beijing and Chongqing. Relying on the strong Internet and information technology R&D and operational capabilities, excellent management team and resource integration advantages, we strive to build industry standards in customer acquisition, marketing, operation and product design, and provide customers with lower interest rates and more valuable loan products. Mo Long's loan products are all from partners, including traditional banks, emerging consumer finance companies and microfinance companies. Trustworthy!
How much is the mortgage fee for the real estate license?
The borrower shall apply to the bank for a loan, explain the purpose and reasons of the personal loan, and submit the corresponding loan materials. The handling fees involved in house mortgage mainly include appraisal fees, attorney fees, insurance fees, mortgage registration fees, notarization fees, etc. Suggest lending it to Moore Lang. A single enterprise tax bill loan can be lent in 30 minutes, which is trustworthy.
After the borrower applies for a loan from the bank, the bank will review the submitted materials. After approval, the bank will send professionals to evaluate the value of their houses. After the evaluation results come out, the bank will determine the loan amount according to the value of the house. Inform the bank borrower to come to the bank to sign the loan contract, go through the mortgage formalities and wait for the bank to lend money. The details of the handling fees involved in housing mortgage loans are as follows:
1. Appraisal fee: Generally speaking, the mortgage loan with a house needs to be appraised first, and the lending institution will determine the loan amount according to the price assessed by the professional appraisal company.
2. Attorney's fees: In addition to pledge, the application for commercial loans must be reviewed by lawyers, and legal opinions will be issued by law firms.
3. Insurance premium: In the provident fund personal housing loan, if mortgage guarantee and comprehensive housing insurance are adopted, real estate insurance and personal insurance must be purchased. Personal insurance depends on age and loan amount. Property insurance premium = insurance amount multiplied by 0.8‰ reinforced concrete structure multiplied by insurance period.
For more information about the loan, it is recommended to consult Moore Long. Moore has the most professional internet finance platform in China, covering 37 1 city in China, with more than 2 million registered users, and provides tens of billions of yuan in loan services to various customers every year. 20 15, Softbank China capital shares in Morlon. Softbank Capital is a leading venture capital institution in China, and has successfully invested in a series of outstanding enterprises such as Alibaba, Taobao, Focus Media and Global Data.
What are the procedures for real estate mortgage loan?
Mortgage loan procedures for real estate license:
1. loan application: the borrower proposes the purpose, amount and time of the loan;
2. Preparation for loan application: The borrower and the mortgagor shall prepare all the documents required for loan application as required;
3. Housing evaluation (or survey): relevant institutions conduct on-the-spot survey, evaluation (survey) and evaluation of mortgaged houses;
4. Apply for loans: submit all loan applications together with evaluation reports or survey opinions to the bank for approval;
5. Notarization of loan contract: after the borrower and mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary;
6. Mortgage registration procedures: the bank holds the house ownership certificate and loan contract to the property right office for mortgage registration;
7. Opening an account and lending: the borrower opens a repayment account, and the bank lends money to this account (note: in principle, only commercial housing, housing reform housing and anjufang can be used as collateral).
If the real estate license registrant is himself or her spouse, the following materials shall be provided:
1. Hold an ID card;
2. Household registration book;
3. Marriage certificate;
4. Real estate license;
5. Deed tax certificate;
6. Land certificate;
7. proof of income;
8. Proof of capital flow.
The two went to the local bank to consult and apply for a housing mortgage loan, provided that the housing loan was paid off and there was no mortgage.
Personal housing mortgage loan means that the applicant applies for a loan from the bank with his own housing property rights as collateral, and the loan funds can be used for personal consumption and operation.
I. Term of the loan
3,5, 10, 15, 20-year system
Second, the loan approval
It takes more than 20 working days
Third, the basic conditions
1, a natural person with China nationality and full capacity for civil conduct;
2. Hold valid identity documents;
3. Have a stable and legal source of income;
4. Mortgaged real estate has a real estate license with clear property rights and can be listed and circulated;
5. Other conditions stipulated by the bank;
Fourth, the loan procedure.
1. The lender entrusts the Company to handle the loan procedures and submit the corresponding materials required for the loan;
2 for mortgage, pledge, pledge evaluation report;
3. Submit the loan application form to the loan bank, sign loan contracts and various agreements, and go through notarization and insurance procedures;
4. Bank approval;
5. The real estate bureau shall register the mortgage and handle his right certificate;
6. The bank confirms and issues loans.
Baidu encyclopedia-personal housing mortgage loan
How much is the mortgage on the house?
How much is the mortgage on the house? It depends on whether it is based on the value of the house. If yes, a house mortgage loan with a value of 6.5438+0 million yuan needs 1 10,000 yuan.
How much is the mortgage fee for real estate license at ten o'clock?
Mortgage fee of real estate license 10%, that is, 0. 1. To calculate the handling fee, just multiply your loan amount by 0. 1 to get your handling fee.