Second-hand housing transaction loans need to find a guarantee company regardless of whether they are through intermediary transactions, otherwise banks cannot lend money. Under normal circumstances, the guarantee fee for commercial loans is 65438+ 0% of the loan amount, and the guarantee fee for provident fund loans is 2% of the loan amount.

Because in the second-hand housing transaction, when the property is transferred, there is a time interval before the buyer mortgages the property to the bank. If there is a phased guarantee, the bank can lend money. Because the seller has transferred his property, he must want to get the money as soon as possible. If he doesn't guarantee, he must wait for the buyer to mortgage the property before he can complete the process and loan.

Choosing to do it yourself can be avoided.

According to the regulations on the management of housing provident fund, the application for public loans must go through the guarantee procedures. This has also become the basis for many intermediaries to deceive people.

In fact, this kind of guarantee is only a phased need for handling public loans. After the buyer mortgaged the property to the bank, he no longer needed it.

For property buyers, choosing to do it yourself can avoid this cost. Although the whole process needs our own efforts, we can ensure self-management by providing government bonds and bank deposits, without entrusting an intermediary agency to handle it. This can avoid the second-hand housing guarantee fee, which is both compliant and economical.