Legal analysis: The handling fees involved in housing mortgage loan mainly include appraisal fee, lawyer's fee, insurance fee, mortgage registration fee and notarization fee. 1. Evaluation fee Generally speaking, a mortgage loan with a house needs to be evaluated first, and the lending institution will determine the loan amount according to the price evaluated by a professional evaluation company. The charging standard of mortgage loan appraisal fee is not expressly stipulated, but it goes with the market, that is, the charging standard of appraisal agency is regulated by the market.

Legal basis: Article 62 of People's Republic of China (PRC) Urban Real Estate Management Law stipulates that real estate mortgage shall be registered with the department designated by the local people's government at or above the county level. Where the land use right and house ownership are obtained due to the disposal of mortgaged real estate, the transfer registration shall be handled in accordance with the provisions of this chapter.