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.

Do I have to pay for a mortgage? About how much will it cost?

You need to pay the mortgage of the loan, the mortgage fee 80 yuan. There is also the cost of the mortgage contract, which is probably 15 yuan. Then some will charge about 100 yuan in advance, while others will have no fee. If it is a bank charge, the bank will let the designated account exist, and there will be no problem. Banks are very standardized in this respect. If developers charge, they will charge more appropriately.

The mortgage registration fee charged by the Housing Authority is fixed, and each house is 80 yuan. Non-residential every piece of 550 yuan. The mortgage registration fees charged by banks are different. The mortgage registration fee charged by the bank is partly paid to the Housing Authority and partly the bank agency fee. In the latter case, the charging standards of banks are different. For example, in Hubei, CCB charges 200 yuan/mortgage registration fee per household, while ICBC charges it according to the registered house price standard, while 300 yuan charges less than 1 10,000. Regarding the mortgage registration fee charged by the bank, the bank's charging standard will be reported to the Banking Regulatory Bureau for approval, and then the bank will publicize it in the charging standard. Banks may charge different fees, but as long as they are approved by the banking regulatory bureau, banks have the right to charge. However, if the bank does not publicize it, this agency fee may not be paid.

1. When a developer sells a house, he usually looks for an agency to help the customer with the bank loan business. The normal cost is about 1000 yuan. Specific city analysis, please print out your credit report before buying a house (China People's Bank) and let the intermediary see if you can apply for a loan. Bad credit report, no refund! 2. Some developers don't look for an intermediary, and all the procedures are handled by customers themselves.

The mortgage registration fee charged by the Housing Authority is fixed, and each house is 80 yuan. Non-residential every piece of 550 yuan.

The mortgage registration fees charged by banks are different. The mortgage registration fee charged by the bank is partly paid to the Housing Authority and partly the bank agency fee. In the latter case, the charging standards of banks are different. For example, in Hubei, CCB charges 200 yuan/mortgage registration fee per household, while ICBC charges it according to the registered house price standard, while 300 yuan charges less than 1 10,000.

Regarding the mortgage registration fee charged by the bank, the bank's charging standard will be reported to the Banking Regulatory Bureau for approval, and then the bank will publicize it in the charging standard. Banks may charge different fees, but as long as they are approved by the banking regulatory bureau, banks have the right to charge. However, if the bank does not publicize it, this agency fee may not be paid.

20 18 mortgage bank loan fee?

20 18 the loan fees of real estate mortgage banks are different in different regions and institutions. Usually, the expenses for handling mortgage bank loans mainly include: assessment fee, mortgage registration fee, etc. 1, evaluation fee. There is no explicit provision on the charging standard. Different regions and different levels of economic development have different charging standards. Housing appraisal value is less than 2 million in 400 yuan, 2 million to 5 million in 600 yuan, according to the actual situation, less than 2 million but far away in the suburbs of 600 yuan. 2. Mortgage registration fee. For loans that need mortgage registration, the mortgage registration department will generally charge a mortgage registration fee of 0.30 yuan per square meter (construction area). 3. Other fees, the specific charges need to consult the local loan bank. Interpretation of the Supreme People on Several Issues Concerning the Application of the Guarantee Law of People's Republic of China (PRC) Article 7 If the main contract is valid and the guarantee contract is invalid, and the creditor is not at fault, the guarantor and the debtor shall be jointly and severally liable for the economic losses of the creditor of the main contract; If the creditor or guarantor is at fault, the part of the guarantor that bears civil liability shall not exceed half of the part that the debtor cannot pay off.

Real estate mortgage fee

Housing mortgage loan fee: (1) The interest rate of housing mortgage bank loan is 5.94% per annum. Interest rates will go up or down according to different situations of different people (up to 30%). (2) Handling fees include appraisal fees, insurance fees, loan contract notarization fees, mortgage registration fees, etc. The total cost ranges from several thousand to ten thousand yuan (depending on your loan amount and the bank you choose). The repayment rate is based on the life of your loan: annual interest rate (%) 1. Short-term loans within six months (including six months) 5. 10 Six months to one year (including one year) 5.56 2. Medium-and long-term loans for one to three years (including three years) 5.60 Three to five years (including five years) 5.96 More than five years 6.65438. Housing mortgage loan conditions: (1) Legal status: stable economic income, ability to repay the principal and interest of the loan, property ownership certificate without bad credit record, identity card of the right holder and spouse, household registration book of the right holder and spouse, marriage certificate of the right holder (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau) (2) Income certificate: if the property ownership certificate holder has minor children, please provide birth certificate; if there is bank loan in the property. In order to improve the loan pass rate, please provide other family property certificates as far as possible (such as separate real estate license, stocks, funds, cash passbook, vehicle driving license, etc.). ). The mortgage loan requires the house to be within 20 years; The housing area should be more than 50 square meters; The house should be highly mobile. (3) Limit on the value of real estate mortgage loan: the amount of real estate mortgage loan is 70% of the appraised value of the house, and the loan period of real estate mortgage loan shall not exceed 30 years for new house loans and 20 years for second-hand houses.

Mortgage loan fee

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.

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What is the cost of personal housing mortgage loan? What will happen to personal credit loans overdue?

Apply for the mortgage loan fee of my house.

1, housing appraisal fee

The applied property needs to be appraised by the house, which can only be appraised by the bank or the designated asset appraisal institution, and there will be appraisal fees in the middle. However, there is no uniform standard for the assessment fee of mortgage loan, which is generally linked to the assessed amount and then calculated directly according to the bill (the assessment deduction is about 200-500 yuan).

2. Notary fees

Some banks will require borrowers to fulfill fair loan contracts. After notarization of house mortgage, if the borrower defaults in the later period, the bank can evade the complicated procedures of auction by virtue of the notarized power of attorney, and forcibly complete the disposal of pledged property to ensure its rights and interests. At the level of charging standard, the notary office deducts 3‰ of the loan amount, and authorizes the notarization fee to be diversified at around 2000.

3. Appraisal fee for pledge right

It is the house ownership certificate that applies for real estate mortgage as general collateral. In this link, the borrower needs to pay the filing fee for the pledge of his rights. The tariff standards in each place will be different. General residential 80 yuan, commercial class must be 500-600 yuan.

4. Intermediary service fee

Some people want to get loans quickly and conveniently, and they will designate intermediary companies to handle mortgage loans. There is no such thing as a free lunch, and the intermediary company also needs to deduct the surcharge. There is no tariff standard for middlemen, which generally ranges from 2% to 10% of the total amount of the next paragraph. However, it can be noted that the more informal the intermediary, the greater the surcharge. In addition, the intermediary service fee has a certain bargaining area in a sense, mainly depending on how you master it. Regular customers are generally more talkative.

How can mortgage loans save more money?

1. Appropriate loan term

The longest loan period of housing mortgage loan is 30 years. According to the truth, the longer the loan term, the lower the repayment pressure, but the higher the loan cost; The shorter the loan term, the less interest and the lower the loan cost, but the repayment pressure is too great. Therefore, in order to save the loan cost, it is very important to choose the appropriate loan term. If the economic situation is not so good, it is best to choose a longer loan period, which will not seriously affect daily life. If the economic situation is more suitable, you can choose a shorter loan period to save the loan cost.

2. Appropriate repayment methods

There are many repayment methods of housing mortgage loans, but borrowers should not blindly choose, because the appropriate repayment methods can also save loan costs. Under normal circumstances, people who apply for housing mortgage loans can worry about equal principal repayment or equal principal and interest repayment. If you want to reduce the repayment pressure, it is best to choose the repayment method of equal principal repayment; However, if you want to save the loan cost, it is best to repay the principal and interest in the same amount, which will increase the repayment pressure.

3. Suitable loan commodities

Mortgage loan to buy a house belongs to housing mortgage loan. When handling mortgage loans, you can choose two kinds: personal provident fund loans and commercial loans. I believe many borrowers understand the advantages of personal provident fund loans, and the interest is low. If there is no provident fund, you can apply for commercial service loans, or if there is provident fund, you can get a combination of provident fund and commercial loans. In fact, no matter what the final loan product is, it is a good loan product as long as it can save the loan cost.

What will happen to personal credit loans overdue?

If the loan has not been repaid by the repayment date, in addition to continuing to pay the loan interest, it is also necessary to pay huge overdue interest and contract liquidated damages. Banks or different types of lending institutions have different deduction standards for overdue interest. Various private lending organizations will charge more than financial institutions. Some lending institutions need these borrowers to pay overdue interest, and they also need to pay huge contract liquidated damages.

Be urged to pay

At the beginning, lending institutions sincerely remind borrowers to pay off in one lump sum through SMS, but after a certain period of time, they will take actions to collect borrowers, such as making more than a dozen mobile phones and sending messages every day. Even if you change your phone number, they can still call your relatives and friends.

Endanger personal credit information

The interference with personal credit information is the most serious. No matter how you apply for a credit card or loan, as long as you access the central bank's personal credit information system, it will remain in the credit information report, which naturally contains overdue information. Bad credit records will not only damage the loans you have been making in commercial banks, but also affect your daily life.

Many people think that loans overdue will not affect personal credit for a day or two. Because financial institutions have a buffer period, if you default on the loan for three or six times, it will be overdue even during the buffer period, and if it is serious, it may be blacklisted.

towards

Loans overdue involves a large amount of money, and lending institutions may appeal. Although it is unlikely to go to jail, it will rule to freeze all your assets or force repayment.