The guarantee is non-refundable.

Standard provisions for various fees required for handling provident fund loans: insurance or guarantee fees: for pure provident fund loans, the loan amount × corresponding rate × loan term; for combined loans, the total house payment × corresponding rate × loan term; deed tax:

Total house payment × 1.5%; mortgage registration fee: loan amount

Yuan; additional 10 Yuan for those with limited property rights; agency fee: 200 Yuan for pure provident fund loan, 250 Yuan for combined loan; maintenance fund: construction area × 40 Yuan/square meter; surveying fee: construction area × 0.19 Yuan/square meter

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1. Requirements for housing provident fund loan guarantee fees.

First, the amount of the housing provident fund loan guarantee fee shall not exceed a certain percentage of the house price for purchased commercial housing, cooperative housing, affordable housing (comfortable housing) and self-built housing. The amount of the housing provident fund loan guarantee fee shall not exceed 70% of the house price or construction cost;

For current public housing, renovated housing, and overhauled self-owned housing, the housing provident fund loan guarantee fee shall not exceed 50% of the house price or house repair cost; when purchasing a private property, the housing provident fund loan guarantee fee shall not exceed the appraised value and transaction value of the house.

70% of the price; when replacing public housing, the housing provident fund loan guarantee fee shall not exceed 50% of the public housing replacement compensation assessed by the replacement enterprise; when purchasing public housing property rights, the housing provident fund loan guarantee fee shall not exceed the assessed public housing replacement

Compensation fee and 50% of the total sale price of public housing.

Second, the loan guarantee amount shall not exceed a certain multiple of the housing provident fund balance and the housing provident fund loan guarantee fee shall not exceed 15 times the housing provident fund balance paid by both the borrower and his wife.

The third is the method of housing provident fund loan guarantee fee: (1) Guarantee guarantee: the guarantor and guarantee company of the housing provident fund loan provide the borrower with a joint and several liability guarantee.

(2) Mortgage guarantee: Housing provident fund loan borrowers can use real estate owned by themselves or a third party as mortgage guarantee.

(3) Personal housing provident fund guarantee means: the housing provident fund loan borrower or others provide a joint liability guarantee for the borrower with personal housing provident fund.

The guarantor's housing provident fund balance should reach more than 80% of the loan amount.

(4) Pledge guarantee: The housing provident fund loan borrower uses government bonds, bank deposit certificates and other securities as pledges to provide full guarantee.

2. Calculation of Housing Provident Fund Loan Guarantee Fee: Calculation Formula of Housing Provident Fund Loan Guarantee Fee: Loan Amount*4.5/10000*Loan Term.