I. Payment of expenses
When mortgaging, please ask the assessment fee of the intermediary agency; Mortgage registration fee paid by the Land Bureau; Notary fees charged by the notary office.
The process is simple. The form should be signed and sealed by both parties who handle the mortgage, and then take the original land certificate, business license and board resolution ... The Land and Resources Bureau will make a list of these materials, and you can negotiate the charging ratio, such as the evaluation fee, which is about 5 million yuan for a piece of land. The same is true of Land and Resources Bureau and Notary Office. It depends on your ability. If you are in a small city, you may get a discount of 1 if you have acquaintances, just collect them symbolically.
Second, the housing assessment fee standard
The housing appraisal fee is charged according to the quality of materials used in housing construction and the area of the house, and different appraisal institutions have different charging standards. The money spent by Mr. Xiong may have been collected by the intermediary.
The appraisal company charges an appraisal fee of 0.5% of the transaction price.
Real estate assessment is to check whether the loan amount of a house loan or mortgage is enough for the loan standard. For example, if you buy a house with a price of 300,000 yuan, you need a loan of 200,000 yuan. The loan bank entrusts an appraisal company to visit the house for appraisal, and the final appraisal price is 240,000 yuan. If your loan amount exceeds 80% of the appraised price, your loan will not be approved. If the assessment is more than 250,000 yuan, it can be calculated according to the maximum loan of 80%, which is exactly 200,000 yuan. The general charge is three thousandths to five thousandths of the assessed price.
The evaluation of commercial housing generally refers to the current market price. In the evaluation process, from a big perspective, the location of the house, surrounding facilities, environment and other factors will be comprehensively considered; Small aspects of the floor, huxing, orientation, ventilation and lighting. In addition, the old house mainly depends on the floor and apartment type; New residential areas should investigate the floor area ratio, scale, spacing and related leisure places. The evaluation work is generally completed by professional appraisers. If you want to issue a special evaluation report and certificate, you can find a special evaluation company to do it. The general charging standard is around 5%.
Three. Notes on personal real estate mortgage loan
1. Information required for real estate mortgage loan: A. Real estate license B. Property owner's ID card C. Household registration book
2. Loan amount: urban real estate is priced at 70%-80% of the appraised value, and suburban real estate is priced at 60% of the appraised value.
3. Loan interest rate: The benchmark interest rate for bank loans is 5.3 1%.
4. Repayment method: pay interest quarterly and repay the principal when due.
5. The loan can be obtained within 15 working days after the information is submitted to the bank.