Friends in Shanghai will often encounter the situation that they are in urgent need of funds. Generally, a small amount of money can be turned around through friends around you. If the required amount is large, you may need to consider applying for a mortgage loan to obtain more funds. But do you know that there are other extra costs besides the expected annualized interest rate when applying for a mortgage loan?
It is understood that the additional costs of housing mortgage loans mainly include assessment fees, loan service fees and mortgage fees. Then let's take a closer look.
(1) Evaluation fee
Generally speaking, the appraisal fee of housing mortgage loan is 3% of the appraisal price. The link of house appraisal is generally carried out by the appraisal firm designated by the bank.
(2) Loan service fee
The loan service fee for housing mortgage loan is 3,500 yuan. If the loan amount exceeds 200,000 yuan, 2% of the excess will be charged.
(3) Mortgage cost
Housing mortgage loans also need mortgage fees, mortgage fees 200 yuan.
Reminder: In real estate appraisal, the appraisal firm is generally designated by the bank. In order to control risks, the appraisal price made by appraisal is generally lower than the market price (generally lower than the market price of real estate 10%-20%). In this way, it is possible that the evaluation value is too low to reach the loan quota. However, there is basically no phenomenon of deliberately depressing the asset appraisal value. The additional cost of housing mortgage loan may be slightly different in different regions.
What are the additional fees for mortgage loans?
1. Assessment fee
The appraisal fee of housing mortgage loan is generally 3% of the appraisal price. The link of house appraisal is generally carried out by the appraisal firm designated by the bank.
2. Loan service fee
The loan service fee for housing mortgage loan is 3,500 yuan. If the loan amount exceeds 200,000 yuan, 2% of the excess will be charged.
3. Mortgage costs
Finally, the mortgage loan also needs a mortgage fee, which is 200 yuan.
Note that in real estate appraisal, appraisal firms are generally appointed by banks. In order to control risks, the appraisal price made by appraisal is generally lower than the market price (generally lower than the market price of real estate 10%-20%). In this way, it is possible that the evaluation value is too low to reach the loan quota. However, there is basically no phenomenon of deliberately depressing the asset appraisal value.
For example, the market price of Mr. Gao's property is 700,000, and he wants to borrow 480,000. According to the market price and the maximum amount of 70%, the loan can reach 490,000 yuan, which meets the requirements of Mr. Gao. However, the final appraisal price of the appraisal institute is only 650,000 yuan, and the maximum loan amount is only 1 10,000 yuan, which cannot fully meet Mr. Gao's capital requirements.
How much is the handling fee for the mortgage loan?
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.
This is the end of the introduction of mortgage fee and house handling fee. I wonder if you have found the information you need?