Guarantee fee. But it doesn't matter to you. It's a guarantee repurchase from the developer to the bank, which means that if you have problems after mortgage, the developer will buy back your house according to the repurchase agreement.

Second-hand house:

It is directly related to you. The guarantee company guarantees the risk from the time when the bank lends money to the time when the bank receives the certificate of other rights, and collects your guarantee fee to bear the risk for you. The standard is to charge according to the loan amount, which seems to be about 1.4%.