Agency fee standard 1. Agency fee: general cash 1%, loan 2%; 2. Loan service fee: 1% of the turnover. Three. Guarantee fee: Individual intermediary companies charge an additional 0.5% transaction guarantee service fee, commonly known as "guarantee fee". Four, the agency real estate registration service charges, the maximum is not more than 500 yuan/case, the agency loan service charges, the maximum is not more than 300 yuan/case.
Charge standard of intermediary second-hand house
Intermediary is a relatively large service company in real estate. Through intermediary, you can find a more suitable house, which can save a lot of time and energy.
1, agency fee: general cash 1%, and the loan is charged at 2%;
2. Loan service fee: 65438+ 0% of the turnover;
3. Guarantee fee: individual intermediary companies charge an additional 0.5% transaction guarantee service fee, commonly known as "guarantee fee";
4. The fee for real estate registration service shall not exceed 500 yuan/case;
5. Charge for agency loan service, with the maximum not exceeding 300 yuan/case;
6 for housing occupancy related procedures, each household does not exceed 200 yuan.
Legal basis:
Notice on reducing the charging standard of housing brokerage service: the charging of housing brokerage service 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%.
Do you need to pay mortgage service fee to the intermediary for second-hand housing mortgage?
Need.
Mortgage costs, involving mortgage or sub-mortgage, need to pay the service fees of mortgage companies, appraisal companies and banks and other related institutions. Mortgage expenses mainly include:
1. Housing survey fee: 90 yuan for each certificate shall be collected by the Housing Authority;
2. Housing appraisal fee: the appraisal price ×0.5%, which will be collected by the appraisal company. Do not need an assessment report, only the initial assessment fee 300 yuan;
3. Mortgage agency fee: the service fee charged directly by the mortgage company, with the standard of loan amount × (1%~1.5%); Different mortgage companies have different standards, which are generally 1% or1.2% of the loan amount;
4. Loan insurance premium: loan amount × 1.2×0. 1%× loan period, which shall be collected by the insurance company. The longest term of second-hand housing mortgage loan is 20 years;
5. Notarial fee for loan contract: 300 yuan for each case;
6. Notary fee for the agreement of the mortgage contract: 300 yuan per piece;
7. Transaction entrustment notarization fee: 200 yuan per piece;
8. Bank provident fund agency fee: each 500 yuan case is charged by the corresponding bank;
Second-hand housing loan refers to the loan business in which the buyer uses the house traded in the secondary housing market as collateral, applies for a loan from the bank to pay the purchase price, and then the buyer pays the principal and interest to the bank in installments.
Extended data:
The Borrower requires:
Second-hand housing loans are determined according to the borrower's personality, occupation, education level, repayment ability, liquidity of purchased housing (including mortgaged housing) and other factors. Specifically, there are several points:
(1) Male's actual age plus loan period is less than 65 years old, female's actual age plus loan period is less than 60 years old, China nationality, unlimited household registration, no criminal or non-performing loan record, and stable income;
(2)/kloc-permanent residence of urban residents aged 0/8 with full capacity for civil conduct or legal and valid identity documents;
(3) If there is a second-hand house sales contract, pay a down payment; (4) have a stable occupation and legal income, good credit, and the ability to repay the principal and interest on schedule;
(5) When applying for a loan, the purchaser has its own funds not less than 20% of the purchase price;
(6) When the borrower agrees to use the purchased house and its rights and interests as collateral, or the borrower fails to provide the mortgaged (pledged) things in full, a unit or individual recognized by the lender and meeting the specified conditions and having sufficient compensatory capacity will serve as the guarantor to repay the principal and interest of the loan and bear joint liability;
(7) The purchased second-hand houses have clear property rights and meet the requirements for Shanghai to enter the real estate market;
(8) The purchased house is not within the scope of the announcement;
(9) The price of the purchased house basically conforms to the appraisal price of the lender or its designated real estate appraisal agency;
(10) Other conditions required by the lending bank;
Loan term:
Generally within 20 years, and the maturity date of the loan cannot exceed the borrower's 65 years of age in principle. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year.
Second-hand housing requirements:
(1) The following housing types can apply for second-hand housing loans: commercial housing, affordable housing, housing reform housing, central production housing that can be listed, office buildings, shops and apartments.
(2) Time requirement for house completion: houses completed after 1993 are not within the scope, and there are no signs or debts.
(3) Completion time and loan amount: 80% of the highest loanable appraisal price of commercial housing with completion time within five years; 70% of the highest loanable appraisal price of commercial housing from 2000 to 2003; 60% of the highest loanable appraisal price of commercial housing from 1993 to 1999; On this basis, the cost price of selling houses is reduced by10% respectively; 50% of the highest loanable appraisal price of office buildings, shops and apartments. (The specific loanable amount varies from bank to bank)
(4) The borrower who buys a second-hand house must use the second-hand house as collateral for the borrower to issue a house purchase loan, otherwise the loan will not be granted.