How much is the mortgage fee?

What are the additional fees for mortgage loans?

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.

What fees do you need to pay for real estate mortgage?

The handling fees of real estate mortgage loan mainly include: evaluation fee, measurement fee, mortgage registration fee, notarization fee, contract fee, etc.

Appraisal fee is also the house appraisal fee: the mortgage loan of real estate has the step of real estate assessment, and usually it can only be appraised by an appraisal institution recognized or designated by the bank. However, there is no uniform standard for the assessment fee of real estate mortgage loan, which is generally linked to the amount of assessment, or calculated directly according to the bill (ranging from 200-500 yuan for an assessment).

Registration fee for obtaining other rights by mortgage: generally, the property mortgaged by other warrants is registered by mortgage. In this link, the borrower needs to pay the mortgage registration fee for other rights. The charging standards in different regions will be different. Usually, the residential category is 80 yuan, and the commercial category needs 500-600 yuan.

Notarization fee: Some banks will require borrowers to notarize loan mortgage contracts. After the contract is notarized, if the borrower has the risk of default in the later period, the bank can bypass the complicated procedures of auction by virtue of the notarial certificate and forcibly dispose of the collateral to ensure its interests. In terms of fees, the notary office collects 3% of the loan amount and entrusts a notary fee of about 2,000 yuan.

1. Real estate mortgage means that the property owner takes the deed as the mortgage and obtains the loan to pay interest on schedule. The property right of the house is still managed by the property owner himself, and the creditor only takes interest on schedule and has no right to manage the house. After the loan is paid off, the property owner will terminate the mortgage of the deed. When the debtor fails to perform the debt, the creditor has the right to dispose of the mortgaged house according to law, and has the right to receive priority compensation for the proceeds from the disposal of the mortgaged house.

2. According to Article 32 of the Measures for the Administration of Urban Real Estate Mortgage, the following documents shall be submitted to the registration authority for mortgage registration: (1) the identity certificate or legal person qualification certificate of the mortgage party; (2) An application for mortgage registration; (3) mortgage contract; (4) State-owned land use right certificate, house ownership certificate or other proof that co-owners agree to mortgage; (5) Documents and evidential materials that can prove that the mortgagor has the right to establish mortgage; (6) Information that can prove the value of the mortgaged real estate; (7) Other documents deemed necessary by the registration authority.

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.

For more information about the loan, it is recommended to consult Moore Long. Moore has the most professional internet finance platform in China, covering 37 1 city in China, with more than 2 million registered users, and provides tens of billions of yuan in loan services to various customers every year. 20 15, Softbank China capital shares in Morlon. Softbank Capital is a leading venture capital institution in China, and has successfully invested in a series of outstanding enterprises such as Alibaba, Taobao, Focus Media and Global Data.