Bank assessment fee charging standard

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At present, housing prices in many cities are prohibitive. For ordinary office workers, the pressure of buying a house is very great, so many people choose to buy a second-hand house. Second-hand housing purchase needs bank evaluation, so what is the standard of bank evaluation fee? Let's take a look with Bian Xiao.

First, the bank assessment fee charging standard

Bank appraisal fee is aimed at buying second-hand houses, and its appraisal fee standard generally adopts progressive billing rate. For example, if the total house price is less than 6,543,800 yuan or 6,543,800 yuan, the appraisal fee is 0.42% of the total house price; 1 10,000 to 5 million yuan, the appraisal fee is 0.3% of the total price; The housing appraisal fee of 5 million to 20 million is 0.12% of the total price; The assessment fee charged above 50 million yuan is 0.0 12%.

Second, how do individuals get loans from banks?

1. Select a bank.

The loan interest rate of each bank is different, so when choosing a bank, we must first understand the loan interest rate of each bank and choose a bank with a lower interest rate to lend.

2. Accurate deadline

When planning the loan term, the plan should be clear and the calculation must be accurate to prevent the interest from increasing. Because the longer you borrow money from the bank, the higher the interest.

3. Understand the loan method

Credit, pledge and mortgage are the main loan methods of banks at present, and the interest of different loan methods is different. The same loan amount, with different loan methods, its interest will be uneven. So when you borrow money from a bank, you must first understand the differences between various loan methods and know the interest of each loan method. For example, the loan fund is less than 300,000 yuan and the loan period is 3 years, which is more suitable for unsecured and unsecured microfinance.

Editor's summary: The small series of bank evaluation fees is introduced here, hoping to bring help to friends. Secondly, we must be cautious when signing the agreement to avoid the phenomenon of "high interest rate" caused by negligence. Therefore, we should read the agreement carefully and understand it clearly before signing it.

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