I am an employee of Suzhou Housing Provident Fund Management Center
If I apply for housing provident fund loans and adopt the guarantee method of Suzhou Housing Property Guarantee Company, the guarantee company will still charge the guarantee service fee
Now I only reduce the employee loans for purchasing affordable housing! ! Can the guarantee fee for the provident fund loan be refunded?
In 2, the Ministry of Construction and the People's Bank of China jointly issued a document, requiring all prefecture-level cities to set up housing loan guarantee institutions to provide full guarantee services for housing provident fund loans.
On October 1th, 214, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China jointly issued a notice, demanding the cancellation of many fees such as the guarantee fee for provident fund loans.
the policy is implemented in different places, where the specific implementation time and the time of the guarantee agreement that can cancel the guarantee fee will be stipulated, and whether or not to refund will be different according to the different local implementation. Guarantee fee for provident fund loans in 217
The standards for various fees to be paid for provident fund loans stipulate:
Insurance or guarantee fee: pure provident fund loans, loan amount × corresponding rate × loan period; The combined loan is: total house price × corresponding rate × loan period;
deed tax: total house payment × 1.5%;
mortgage registration fee: loan amount ×1.5%, not exceeding 2 yuan at most;
Cost of production: the commercial house is a pure provident fund loan in 16 yuan and a combined loan in 17 yuan; The pure provident fund loan is 8 yuan, and the portfolio loan is 9 yuan; Property rights * * * some plus 1 yuan;
agency fee: 2 yuan is the pure provident fund loan and 25 yuan is the combined loan;
maintenance fund: construction area ×4 yuan/m2;
measurement fee: construction area ×.19 yuan/square meter. Is the guarantee fee for provident fund loans still charged in 215?
The latest information is as follows:
4. Housing provident fund personal housing loan guarantee is mainly based on the purchased housing mortgage, and the compulsory institutional guarantee fee for housing provident fund personal housing loan is cancelled.
This adjustment policy will be implemented as of the date of publication of the Notice of the Administrative Committee on Adjusting the Personal Loan Policy of Housing Provident Fund in this Municipality. The housing provident fund loans accepted from October 9, 214 shall be implemented according to this adjusted policy. Housing provident fund loans that have been accepted but not issued before October 9, 214 shall be implemented with reference to this adjusted policy.
Policies vary from place to place. You should consult your local housing provident fund center when you cancel the guarantee fee.
Does Weifang still accept the guarantee fee for provident fund loans?
Provident fund loans are handled by the amount of provident fund and related qualifications paid by individuals, and there is no need to pay any packaging expenses. Can the guarantee fee of Tianjin provident fund loan be refunded?
The guarantee fee of Tianjin provident fund loan is uniformly collected by Tianjin Jinfang Guarantee, which is equivalent to the guarantee provided by the borrower for the borrowed loan. So when the borrower pays off the loan in full, the guarantee fee can be refunded in part. And the sooner all the loans are paid off, the more the guarantee fee will be refunded!
the guarantee is irrevocable.
The standards for various fees to be paid for provident fund loans stipulate:
Insurance or guarantee fees: for pure provident fund loans, the loan amount × corresponding rate × loan period; The combined loan is: total house price × corresponding rate × loan period;
deed tax: total house payment × 1.5%;
mortgage registration fee: loan amount ×1.5%, not exceeding 2 yuan at most;
Cost of production: the commercial house is a pure provident fund loan in 16 yuan and a combined loan in 17 yuan; The pure provident fund loan is 8 yuan, and the portfolio loan is 9 yuan; Property rights * * * some plus 1 yuan;
agency fee: 2 yuan is the pure provident fund loan and 25 yuan is the combined loan;
maintenance fund: construction area ×4 yuan/m2;
measurement fee: construction area ×.19 yuan/square meter. Is the guarantee fee of Shenyang provident fund loan necessary?
the provident fund guarantee fee is mandatory.
In addition to the business of state-owned sub-centers, the business of municipal management has been reduced from five thousandths to three thousandths (Beijing), and the procedures for running provident fund loans are cumbersome, and the expenses are more than the evaluation fees and guarantee fees for commercial loans. It is stipulated that the guarantee center will charge 95% or 98% of the actual guarantee service fee when collecting the guarantee service fee for the housing provident fund loan applicant whose personal credit rating is AAA or AA (credit evaluation is required when handling the provident fund loan in the first step).
There are two main reasons for lowering the guarantee fee. One is that the market is standardized, and the loan risk is reduced for lending institutions, so is the guarantee risk. The other is the establishment of the borrower's asset management system within the provident fund management center, which has strengthened the internal control ability and reduced the cost.
The annual guarantee fee is very high, which really generates revenue for the local finance. Under the current mechanism of GDP performance appraisal, can they arbitrarily allow the cancellation of the guarantee fee?
a: the guarantee fee must be paid.