There are many kinds of loans, such as: first home loan, second-hand housing loan, provident fund loan, car loan, credit loan, mortgage loan and so on. Moreover, because each kind of loan faces different loan groups, uses, difficulties and risks, the cost of handling the corresponding loan is also very different (note that this is only the cost involved in applying for a loan). What are the costs of buying a car by loan? When applying for automobile mortgage in a bank, there is generally only interest cost. Auto financing companies generally do not charge interest fees for loans, but change their names: handling fees or management fees, which are higher than bank interest. If you buy a car by installment with a credit card, the installment fee paid is not cheaper than the previous two methods anyway. Second-hand housing loans involve costs. Second-hand housing loans generally involve intermediaries, and the fees are slightly higher. Mortgage fee (also called intermediary service fee) is generally 1%~2% of the loan amount. Because the second-hand housing loan needs real estate assessment, finding an appraisal company probably needs an appraisal fee of 1-3 (the lowest fee is 400 yuan). In addition, the second-hand house notarization fee is 1‰ of the loan amount, and the mortgage registration fee is about 100 yuan. Individual banks also collect stamp duty (less, 65438+ ten thousand 50 yuan) and insurance premium (about 0.5‰). The first home loan has three expenses at the loan level: bank interest, mortgage registration fee and notarization fee. The mortgage interest rate generally rises according to the benchmark loan interest rate, and some high-quality customers can enjoy the mortgage discount (see the bank's confirmation). Mortgage registration fees vary slightly from place to place, but most of them are between 80- 100 yuan. Commissioned notary fees are generally around 200 yuan. The cost of provident fund loans is similar to that of commercial loans, except that provident fund loans have an extra guarantee fee, and the loan interest rate is lower than that of commercial mortgages. Other types of loans involve expenses other than buying a house and a car. Other loans (credit loans, real estate mortgage, car mortgage, etc.). You can apply directly to the bank, and generally there is almost no other fee except interest. Small loan companies lend money similar to banks, but the interest rate is higher than banks. Because many times the qualifications of borrowers can't meet the requirements of banks, there is a lot of room to apply for bank loans directly. The products of small loan companies are mixed, and borrowers don't know much about them. Therefore, most people will go through the intermediary and customize the loan plan through the loan consultant.
How much is the loan agency fee?
At present, there is no fixed charge ratio for bill items and handling fees of loan intermediaries. The charging rules of each intermediary are different. The handling fee of credit intermediary is generally calculated according to the loan amount, the difficulty of loan operation, personal credit record and the cooperation of the borrower. There are two charging methods for loan intermediaries:
1. Fixed loan fees are charged according to different loan products, generally between 1000-5000; For example, for car loans, the general vehicle registration fee is about 500, the guarantee fee is about 200, the vehicle evaluation fee is 300, and the GPS installation/disassembly fee is 200. Some mortgage institutions are also set at around 1000. Some loan intermediaries charge 1500 yuan. Fees or service charges are usually based on assessment fees.
2. According to the percentage of the loan amount, a fee of 3% to 9% is usually charged.
1) Intermediary fee refers to the reasonable fee charged by an intermediary agency with intermediary service qualification in the process of providing services and in the process of purchasing and leasing according to the transaction time node. In housing transactions, intermediary costs are generally borne by buyers and sellers. Of course, they are also entirely borne by the seller. As long as the parties reach an agreement, there is no strict restriction on who will bear the expenses of the middleman.
2) It is recommended to apply for loans through formal channels, such as Agricultural Bank of China. Agile online loan is defined as a small consumer loan issued by Agricultural Bank of China in cash to individual customers of Agricultural Bank of China who meet the following application conditions: basic conditions: 18 years old, under 60 years old. Have People's Republic of China (PRC) nationality and full capacity for civil conduct. Hold legal and valid identity documents. Our bank is a customer of e-banking and has the security authentication tools issued by our bank. (Currently, only second-generation customers of KBao are supported) The credit status is good, and there is no outstanding balance of "Wang Jie Loan" and "Wang Jie Loan". Stable income and the ability to repay loans on time. The purpose of the loan is reasonable.
3) Loan type: personal credit loan. Personal credit is a fashionable loan method, so what conditions do you need to apply for this kind of loan? Generally speaking, banks require borrowers to have second-generation ID cards, stable work permits, income certificates and loan termination certificates; Personal credit status is good; There are certain restrictions on the income of borrowers. The average monthly income of borrowers is generally not less than 4000 yuan.
How much is the loan agency fee reasonable?
There is no clear provision for paying agency fees. Generally speaking, the normal agency fee is between 3- 10.
The handling fee of the loan intermediary is determined according to the customer's city and personal qualifications. For example, in first-tier cities, the score is generally above 10, because customers only need to cooperate to provide information, and other things are handled by intermediaries, so the handling fee will be more expensive. Some intermediaries will also reduce the price by a few points to attract customers, so they are basically between 3- 10. Because the interest rate is relatively low, banks generally charge 5-8 points, while small loan companies generally charge 3 points. If your qualifications are poor, you may get more. Most of them are charged according to the quota. Many of them charge less than 200,000 yuan 10, and some charge as high as 20-30 points. 200,000-500,000 yuan, 5- 10; 500,000 to 6,543.8+0,000 generally receives more than 5 points, and 6,543.8+0,000 generally receives about 3 points.
First, the payment method of agency fees
1. Intermediary fees are generally collected by third parties such as intermediary companies. Unless they are not real landlords, they should not be paid to landlords, but attention should also be paid to hacking.
Generally, the agency fee is charged at one time, so be careful to ask for the invoice.
3. There is no written provision for the collection of housing agency fees.
Second, the agency fee charging standard
1. In general, if leasing, both parties have to pay half a month's rent to the third party. If you buy or sell, you will generally charge 2% of the total house price, and both parties will pay 1%. In the actual transaction, both parties can negotiate the proportion of their respective payments.
2. Housing agency fee charging standard
Real estate intermediary service fees shall be collected by real estate intermediary service institutions according to the charging standards, and invoices shall be issued to pay taxes according to law. Real estate intermediary service charges shall be clearly marked, and intermediary service institutions shall announce their charging items, service contents, charging methods, charging standards and other matters in a prominent position in their business premises or payment places.
3. Real estate consulting
It is divided into oral consultation fee and written consultation fee. The oral consultation fee shall be determined by both parties through consultation according to the time required for consulting services and the professional and technical level of consultants. The written consultation fee is charged according to the technical difficulty and complexity of the consultation report combined with the target amount. General consultation report, each charge is 300- 1000 yuan; For consulting reports that are technically difficult, complicated in content and consume a lot of manpower and time, the charging standard may be appropriately increased, but it shall not exceed 0.5% of the amount of the consulting target.
4. House price evaluation
, with the qualification of real estate appraisal and confirmed by the real estate administrative department, the price department charges according to the prescribed standards. Real estate price evaluation and general parcel evaluation mainly based on real estate adopt different fixed rates and progressive charges, that is, the rates and grades are divided according to the total real estate price, and the expenses of each file are calculated according to the file, and the cumulative sum of the expenses of each file is the total cost.
How much is the mortgage fee?
The mortgage fee is charged by the real estate trading center. If you buy a house as a mortgage, you must go to the real estate trading center for mortgage registration, so you have to charge a mortgage loan fee and a mortgage registration fee.
The mortgage handling fee is generally charged at 0.5% of the loan amount, and the mortgage registration fee seems to be tens of dollars per household, which adds up to 2,000 to 3,000. The bank won't charge you any fees.
How do real estate agents charge for helping customers with bank loans?
The fees charged by different institutions are different and can be negotiated.
General loan fees are not charged directly by intermediary companies with customers, but through so-called guarantee companies. Actually, it's the same. Larger intermediary companies have departments dedicated to helping customers with loans, and small companies cooperate with guarantee companies to establish separate accounts. Usually the guarantee is 3:7, and the intermediary is 7! Some even charge more. This is the price you pay for bargaining on the agency fee!
Extended data:
The fee of the loan intermediary is charged to the customer. At present, the whole loan intermediary industry is not standardized. Loan intermediary companies need to survive, and bosses and employees need to make money. They have a natural motivation to make excuses and charge fees through various new terms. At this time, there will naturally be some problems:
1, one is to charge according to the loan amount.
For example, he will tell customers that 65438+ 10,000 yuan will receive 3%,10-300,000 yuan will receive 2%, and more than 300,000 yuan will receive 1%.
2. Tell customers that if they have good credit, they will charge less, and if they have bad credit, they will charge more.
Why?
Because the credit information is good, the intermediary will give less information to the customer, so its own cost will be low.
If the credit information is not good, the intermediary will give more information to the customer and its own cost will be high.
Charge standard of intermediary loan
Intermediary loan service fee, to put it bluntly, is the loan service fee. Different loan service fees have different intermediary service fees, some of which are charged according to the loan amount, such as a loan of 300,000 yuan. There is a handling fee of 3000 yuan, and there is a one-time charge, which means that no matter how much the loan is, there is a one-time charge. Of course, this fee depends on the communication between the intermediary and the customer, and can also be reduced appropriately. Now the intermediary loan service fees are set by the intermediary itself, and there is no standard in the country.
Housing agencies can charge a certain loan service fee, which is regulated by the market and set by each agency. On this basis, property buyers can shop around and choose by themselves. However, the contract must be signed on the premise of mutual consent. When providing this service, the operator shall not force consumers to accept the service, but shall fulfill the obligation of informing in advance and make clear the subject, content and amount of charges.
It should be noted here that when an intermediary company collects an intermediary fee, if it has promised you that the fee includes transaction, registration and mortgage services, it should not charge a loan service fee.
Charge standard of mortgage service fee
As house prices are rising all the way, second-hand housing is a good choice for many people who need to buy a house. The second-hand housing involves the formalities to be handled and the business of bank mortgage, and the process is very complicated, so people will choose real estate intermediary services to help them complete it. So, what is the charging standard of mortgage service fee? Is there a difference between mortgage service fee and banking service? Let's take a look with Bian Xiao.
I. Charge standard of mortgage service fee
There is no charging standard for the mortgage service fee, which belongs to the charging items agreed by the lender and the intermediary themselves. Banks don't charge such fees. If there is a charge, it is illegal and you can report it.
Second, the difference between mortgage service fee and bank service fee
1, the intermediary only collects the intermediary service fee for helping to buy a house, which is 1% of the total house price. This fee is charged according to different standards according to different projects. Generally speaking, the agency fee for housing sales is 0.5% to 2.5% of the total transaction price. The price can be adjusted appropriately, but the maximum price cannot exceed 3% of the transaction price.
2. The mortgage loan can be entrusted to the intermediary, and the intermediary can charge the intermediary fee, that is, the running toll, and there will be a formal invoice. But banks don't charge service fees. If your bank invoice indicates that this fee has been charged, you can complain to the bank.
3. When buying a house, the intermediary needs to inform the item and amount to be charged at one time. If there are arbitrary charges, you can complain.
4. When handling the loan business, the fee charged by the bank is the loan service fee, which is charged by the third party handling the loan. The cost depends on the local conditions.
Editor's summary: I believe everyone will understand the charging standard of mortgage service fee and the difference between mortgage service fee and bank service fee after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.
The cost of so many intermediaries to launch mortgage loans.