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How much does it cost to realize housing mortgage loan?
Legal analysis: (1) During the transaction:

1, deed tax: the buyer pays 4% of the house price; Ordinary houses with a building area of 120 square meters will be charged 2% by half;

2. Handling fee: 120 square meters (inclusive) The handling fee for each house is 250 yuan; 120m2, each set of 500 yuan;

3. Stamp duty: the buyer and the seller each pay 0.5% of the house price;

4. Public maintenance fund: 2% of the house price.

(two) in the process of property rights bidding:

1. Registration fee: 0.3 yuan per square meter of the building;

2. Housing ownership fee: 4 yuan per certificate;

3. Stamp duty: 5 yuan per piece.

If the Buyer pays by means of bank loan, except for the appraisal fee for provident fund loan, the other fees to be paid are the same as those of the above-mentioned commercial house. Property management fees shall be collected by the property management company in accordance with the Interim Measures of Beijing Municipality on Management Service Fees for Economically Affordable Housing Communities (Trial) (J.J.F.Zi. [2000] 163).

Legal basis: Article 406 of the Civil Code. During the mortgage period, the mortgagor may transfer the mortgaged property. Unless otherwise agreed by the parties, such agreement shall prevail. If the mortgaged property is transferred, the mortgage right will not be affected.