Q: Hello, lawyer: I have a question about mortgage. From 2005 1 month, my husband began to repay the business loan, with a monthly payment of more than 3,300 yuan. I am a teacher, but my housing provident fund loan is useless because we didn't get a marriage certificate when we bought a house. At present, the loan has been repaid for two years, and there is still a month to go. I want to ask, can my business loan be changed into my provident fund loan? Thank you, counselor. Hello, I have a question about mortgage. From 2005 1 month, my husband began to repay the business loan, with a monthly payment of more than 3,300 yuan. I am a teacher, but my housing provident fund loan is useless because we didn't get a marriage certificate when we bought a house. At present, the loan has been repaid for two years, and there is still a month to go. I want to ask, can my business loan be changed into my provident fund loan? thank you
A: The Scout Law Online Consultation will answer your question.
If the housing loan is commercial housing or second-hand housing, individuals need to pay two fees: the personal housing loan guarantee fee charged by the guarantee center. The amount of guarantee fee charged by the guarantee center is related to the loan term and loan amount. The loan term is long, and the guarantee fee paid per 10,000 yuan is relatively high. Housing appraisal fee charged by Kangzheng Acer Real Estate Appraisal Co., Ltd. for the purchased house.
If the housing loan is affordable housing, housing reform housing or fund-raising housing, the required cost is only the housing provident fund loan guarantee fee charged by the guarantee center. The charging standard is the same as above.