How to calculate bank loan fees

There are many types of loans, such as: first home mortgage, second-hand house loan, provident fund loan, car loan, credit loan, mortgage loan, etc. Moreover, each type of loan has different loan groups, purposes, difficulty levels, risk levels, etc., so the fees required to apply for the corresponding loans are also very different (note, here are only the fees involved in applying for a loan). \x0d\1. What are the fees for buying a car with a loan? When you apply for a car mortgage loan from a bank, there are usually only interest fees. When car finance companies apply for loans, there are generally no interest charges, but they are just renamed: handling fees or management fees, which are higher than bank interest rates. When buying a car through installments with a credit card, the installment fees paid are no cheaper than the first two methods anyway. \x0d\2． Second-hand home loans involve fees. Second-hand home loans generally involve the participation of an intermediary, and all costs are slightly higher. Mortgage processing fee (also called intermediary service fee) is generally 1 to 2% of the loan amount. Because second-hand housing loans require a property appraisal, you will have to pay an appraisal fee of about 1-3% per thousand (the minimum fee is 400 yuan) when hiring an appraisal company. In addition, the notary fee for second-hand houses is 1‰ of the loan amount, and a registration fee of about 100 yuan is required for mortgage registration. Some banks also charge stamp duty (relatively small, 5 yuan for 100,000 yuan) and insurance premiums (about 0.5‰). \x0d\3． Mortgage house purchase loan fees There are three fees at the loan level for a first-time home mortgage: bank interest, mortgage registration fee, and notary fee. Mortgage interest rates generally rise according to the benchmark loan interest rate, and some high-quality customers can enjoy mortgage discounts (depending on the bank's determination). Mortgage registration fees vary slightly from place to place, but most are between 80-100 yuan. The commissioned notary fee is generally about 200 yuan. \x0d\4． Provident Fund Loan Fees The cost of a provident fund loan to buy a house is similar to that of a commercial loan in terms of cost items. It is just that a provident fund loan has an extra guarantee fee and the loan interest rate is lower than the commercial mortgage interest rate. \x0d\5． In addition to the fees involved in other loan types, except for house and car loans, other loans (credit loans, real estate mortgages, car mortgage loans, etc.) can be applied directly to the bank. Generally, there are almost no other fees except interest. Loans from small loan companies are similar to those from banks, except that the interest rates are higher. Since many times the borrower's qualifications do not meet the bank's requirements, it is difficult to directly apply for a bank loan. However, small loan companies have a mixed bag of good and bad products, and their products are complex and difficult for borrowers to understand. Therefore, most people usually get loans through intermediaries and use loan consultants to customize loan plans for them. Loan service fee collection standards

The highest standard for loan service fee collection is: the handling fee plus interest agreed upon by both parties cannot exceed four times the one-year loan market quoted interest rate when the contract is established, otherwise it will be regarded as high interest , not protected by relevant laws. The law also stipulates that usurious lending is prohibited, and the interest rate for borrowing must not violate relevant national regulations. Article 680 of the Civil Code prohibits usurious lending, and the interest rate for borrowing must not violate relevant state regulations. If the loan contract does not stipulate the payment of interest, it will be deemed that there is no interest. If the loan contract does not clearly stipulate the payment of interest, and the parties cannot reach a supplementary agreement, the interest will be determined according to local or party transaction methods, transaction habits, market interest rates and other factors; if the loan is borrowed between natural persons, it will be deemed to have no interest. How are car loan interest and handling fees calculated?

If you apply for a personal loan at China Merchants Bank, the "interest" is calculated based on a number of factors such as the total loan amount, loan term, execution interest rate, and repayment method.

For bank car mortgage loans, the largest loan cost is loan interest. Loan interest rates vary from bank to bank and for different terms. The three-year loan benchmark interest rate is 6.15, and the actual loan interest rate is usually higher than the benchmark interest rate, with the benchmark interest rate usually rising by 30 to 40%. Are there any other fees for a mortgage loan besides loan interest? This also depends on the specific circumstances of the loan.

For example, some car loans require a guarantee. If it is guaranteed by a guarantee company, you usually need to pay a certain deposit, usually several thousand yuan. If the borrower repays the loan on time, the guarantee company can return a certain deposit as agreed.

If the loan is mortgaged with real estate, there will be fees such as property appraisal fees and mortgage registration fees.

Extended information:

The handling fees for car loans generally include insurance premiums, notary fees, performance guarantee fees, mortgage handling fees, etc. The fees are: about 3,000 yuan, 800 yuan respectively. , 3 of the loan amount, 3 of the loan amount.

The interest on a car loan = loan amount * loan interest rate * loan time. The specific interest is calculated based on these three parameters.

No matter what kind of car loan you get, the 4S store will charge mortgage fees (also called financial service fees) of varying amounts. This fee has nothing to do with manufacturers and banks. It is one of the important sources of dealer profits. For example, the above-mentioned 3S store charges 3,000 yuan; the starting price of the financial mortgage fee for the Audi 4S store is 3,000 yuan; and BMW charges 3.0% of the loan amount.

Baidu Encyclopedia - Car Loans