For the existing home mortgage loan of China Merchants Bank, the bank does not charge any fees, and there may be a real estate appraisal fee, which should be handed over to the appraisal company, and the bank will repay the loan principal and interest every month after lending.
2. What fees should be paid for real estate mortgage loan?
1, mortgage registration fee, mortgage registration fee is the fee you have to pay when you go to the real estate registration department for mortgage procedures. There are different charging standards for this fee, mainly depending on the specific regulations in your area. 2. Guarantee fee. Sometimes, in order to avoid mortgage risks, banks will ask you to provide a guarantee certificate from an institution or individual with sufficient economic ability. At this time, you need to find a professional guarantee institution, let them guarantee for you, and then you pay them some service fees. The service fee here is the guarantee fee. As for the specific amount of guarantee fee, it can be decided through consultation with the guarantee company. : 1. mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off. 2. Similarities between mortgage and pledge: 1) Mortgage loan refers to the loan that the borrower obtains from the bank with certain items as the guarantee. Both are common forms of bank lending. 2) Mortgage and pledge belong to guarantee. Guarantee refers to the system that the law urges the debtor to perform his debts with the credit or specific property of the debtor or a third party in order to ensure the specific creditor to realize his creditor's rights. 3. Mortgage loan is divided into two forms: maximum mortgage and traditional mortgage. Maximum mortgage means that the mortgagor and the mortgagee agree to use collateral to guarantee the creditor's rights that occur continuously in a certain period of time within the maximum amount of creditor's rights. It is a new mortgage system different from the traditional mortgage system. Compared with the traditional mortgage system, the differences are as follows: (1) the creditor's rights secured by the maximum mortgage are uncertain creditor's rights; (2) The creditor's rights secured by the maximum mortgage are usually future creditor's rights.
Third, what is the cost of existing home mortgage loans?
Appraisal fee, five thousandths of the house value;
The working cost of the bank is 50-200 yuan, because the implementation standards vary from place to place;
Mortgage fee 300 yuan;
See if there is insurance, safety appraisal,,, and fees.
4. How to change China Merchants Bank mortgage to China Construction Bank mortgage?
It is rare for a house to be repaid in advance and then transferred to another bank. Because after the general borrower applies for mortgage, according to the loan contract, the loan bank will restrict the borrower from paying a certain penalty; If you go to China Merchants Bank to apply for a new mortgage, you need to pay a certain witness fee and lawyer's fee. (all for mortgage), so the loan will be more than the interest expense saved; There are also some properties that will sign mortgage cooperation agreements with banks. Can China Merchants Bank handle it? Due to the high cost of refinancing, it is recommended not to change it.
If you want to change banks halfway, you need to combine the regulations of banks. Some banks are allowed to change halfway, such as Minsheng Bank and China Everbright Bank, because the loan voucher business has been opened, which means that the lender chooses a bank and the balance remains unchanged. The previous bank will be transferred to another bank.
However, relatively speaking, the procedures will be more complicated, and there may be a requirement to pay liquidated damages. You need to consult the bank for details. Some of them are absolute, but the details should be subject to the bank's policies.
3. Whether you can change banks or not, the most fundamental thing is to look at your personal loan qualification. First of all, your credit information is good, which is an important indicator of bank loan approval. If there are many overdue debts, or credit card overdue loans are rejected.
Extended data
Housing loan, also known as housing mortgage loan, is a legal document that buyers must submit to the loan bank, such as ID card, income certificate, housing sales contract and guarantee. After passing the examination, the loan bank promises the loan to the buyer, and handles the notarization of real estate mortgage registration according to the house sales contract and mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.
The longest loan period is not more than 30 years, and the second-hand housing provident fund loan is not more than 15 years; The loan amount is the appraised value of the house, and it is implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China. The following is the latest loan interest rate table of 20 13 (the interest rates of banks have risen according to the housing situation).