You need to pay the guarantee fee. The guarantee fee is paid to the housing provident fund management center, which is directly affiliated to the provident fund management center. The bank loan directly faces the provident fund management center, and then the provident fund guarantee center gives you a personal guarantee loan. The provident fund guarantee center will bear the responsibility and risk for you and charge the corresponding guarantee fee.

Fees for applying for provident fund loans

1, guarantee fee

① Pure provident fund loan

Loan amount × corresponding interest rate × loan term

② Portfolio loan

Total house price × corresponding interest rate × loan term

2. Deed tax

Total house price × 1.5%

3. Mortgage registration fee

The loan amount is × 1.5%, not exceeding 200 yuan at most.

4. Production cost

The commodity house is a pure provident fund loan 160 yuan and a combined loan 170 yuan.

Others are pure provident fund loans from 80 yuan and portfolio loans from 90 yuan.

Note: Some property rights are * * * plus 10 yuan.

5. Agency fee

Pure provident fund loans to 200 yuan and portfolio loans to 250 yuan.

6. Maintenance Fund

Building area ×40 yuan/m2

7. Measurement fee

Building area ×0. 19 yuan/m2

Two, different types of housing loan fees

1, commercial house

Insurance or guarantee fee, deed tax, mortgage registration fee, production fee, agency fee, maintenance fund and measurement fee.

2. Existing housing

Insurance or guarantee fee, mortgage registration fee and production fee

3. Second-hand houses

Insurance or guarantee fee, mortgage registration fee, production fee and agency fee.

4. Property-free houses

Insurance or guarantee fee, mortgage registration fee, production fee and agency fee.

5. Auction house (property right has been handled)

Insurance or guarantee fee, mortgage registration fee, production fee and agency fee.

Extended data:

1. To apply for housing provident fund loan, the borrower shall submit a written application to the bank, fill in the application form for housing provident fund loan and truthfully provide the following information:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

(seven) other information required by the provident fund center.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

Process:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;