There is no need to pay a handling fee to find an intermediary to get the provident fund. According to relevant data, no handling fee has ever been charged for withdrawing the provident fund. The so-called intermediary personnel to help withdraw cash is likely to involve illegal fraudulent withdrawal, which will not only cause damage to personal property and credit information, but also be transferred to judicial organs for legal treatment.

Is there a handling fee for provident fund loans?

There is no need to charge any handling fee for applying for provident fund loans, and the housing provident fund management center handles provident fund loans for users free of charge. However, when handling real estate mortgage, users may need to pay the cost of work and related management fees charged by the real estate department and the evaluation agency according to regulations.

The expenses paid by individual housing provident fund loans mainly include evaluation fees, guarantee fees, loan service fees and related taxes and fees. When applying for mortgage registration of housing provident fund, you can charge the applicant a handling fee of 2‰, and the specific charging standards for other expenses are as follows:

Guarantee fee: calculated according to the loan amount and loan life.

Agency fee: The charging standard is 300 yuan. Please consult your loan handling institution for details.

Appraisal fee: the charging standard is 300 yuan, where the loan amount of second-hand houses before 1990 (including 1990) exceeds 30% of the total house price, and the second-hand houses after 1990 exceed 50% of the total house price, and the agency will designate an appraisal company to conduct house appraisal.

20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.

20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).

On August 17 and 15, the Ministry of Housing and Urban-Rural Development jointly issued a notice saying that the down payment for purchasing a second home with provident fund loans will be cancelled by 20% from September 15 and 1 day.

The second suite can enjoy provident fund loans.

According to the new policy (20 14 1 1), the housing provident fund loan target is paid-in employees who buy the first set of self-occupied housing or the second set of improved ordinary self-occupied housing, and individual housing loans of housing provident fund are not allowed to be issued to the families of paid-in employees who buy the third and above houses. 20 10 Relevant departments issued a document requesting the implementation of the housing provident fund loan policy of supporting the first set, restricting the second set and prohibiting the third set.

The first set of self-occupied housing loan quota is expected to increase.

In addition, the three departments require that cities with districts where the personal housing loan issuance rate of housing provident fund is less than 85% can appropriately increase the first set of self-occupied housing loans according to the local commodity housing price and per capita housing area.

Zhang, director of the Housing Provident Fund Supervision Department of the Ministry of Housing and Urban-Rural Development, said that the loan amount of housing provident fund is an important factor affecting the mutual assistance of the system. Appropriately increasing the loan amount of the first set of self-occupied housing reflects the principle that the housing provident fund system supports basic housing consumption and makes full use of funds.

Is there a handling fee for handling provident fund loans through intermediaries?

Looking for an intermediary to handle provident fund loans, in addition to the necessary service fees, you also need to pay various taxes and fees. The main taxes and fees are as follows:

Taxes payable by the buyer:

1, deed tax: 65438+ 0.5% of the house price (13% for the area above 44 square meters, 1% for the area below 90 square meters, and it is the first suite).

2. Stamp duty: 0.05% of the house price.

3. Transaction cost: 3 yuan/m2.

4. Surveying and mapping fee: 1.36 yuan /m2.

5. Ownership registration fee and evidence collection fee: Generally speaking, it is around 200 yuan.

Two. Taxes payable by the seller:

1, stamp duty: 0.05% of the house price.

2. Transaction cost: 3 yuan/m2.

3. Business tax: 5.5% of the total amount (if the real estate license is less than 5 years).

4. Personal income tax: 20% of the real estate transaction profit or 65438+ 0% of the house price (the only house can be exempted if the real estate license is over 5 years).

What is the process of intermediary handling provident fund loans?

Generally speaking, you need to bring your ID card to handle provident fund loans, but you can also handle them through intermediary companies, as long as you provide relevant documents. Then, what is the process of entrusting an intermediary to handle provident fund loans?

1. Loan consultation The borrower directly consults with the intermediary company and gets the personal housing provident fund loan folder.

2. Submit an application. The buyer, the seller and their spouses (who are single and issue the certificate of civil affairs bureau's marital status) go to the loan bank for pre-trial registration with the ownership certificate of the house, the state-owned land use right certificate, the household registration book, the ID card, the marriage certificate, the house evaluation report, and the original and copy of the passbook opened by the seller in the name of the seller, and submit the loan application materials (the same as the self-management materials).

3. The bank that signed the loan contract accepts the information of the loan applicant, and the bank submits it to the provident fund center for approval to determine the loan amount and term; Intermediary companies handle the transfer procedures of real estate licenses and land certificates for buyers and sellers of houses and provide staged guarantee commitments; The loan bank signs a loan and mortgage contract with the borrower.

4. After the house ownership certificate is transferred, the provident fund center can issue the loan funds with the receipt of the house ownership certificate and the land use certificate, and directly transfer the loan funds to the seller's deposit account through bank transfer.

5. Handling mortgage intermediary companies continue to handle housing two certificates and housing mortgage registration procedures for borrowers, and hand over other house warrants to loan banks for safekeeping and filing.

6. Repay the loan monthly. The following month, the borrower shall repay the loan principal and interest on time on the 20th of each month according to the loan contract until the loan is fully paid off. When the borrower pays off the remaining loan for the last time, he should go to the loan bank in person and go through the repayment settlement procedures at the bank counter.

7. After the cancellation of the mortgage borrower pays off all the loan principal and interest, he should go through the mortgage registration cancellation formalities at the original real estate mortgage registration department with the loan settlement certificate and the house mortgage cancellation certificate issued by the loan bank.

Special reminder, intermediary agent provident fund loans are subject to handling fees, but also have certain risks, so it is necessary to be cautious in choosing intermediary loans.