After the borrower applies for a loan from the bank, the bank will review the submitted materials. After approval, the bank will send professionals to evaluate the value of their houses. After the evaluation results come out, the bank will determine the loan amount according to the value of the house. Inform the bank borrower to come to the bank to sign the loan contract, go through the mortgage formalities and wait for the bank to lend money. The details of the handling fees involved in housing mortgage loans are as follows:
1. Appraisal fee: Generally speaking, the mortgage loan with a house needs to be appraised first, and the lending institution will determine the loan amount according to the price assessed by the professional appraisal company.
2. Attorney's fees: In addition to pledge, the application for commercial loans must be reviewed by lawyers, and legal opinions will be issued by law firms.
3. Insurance premium: In the provident fund personal housing loan, if mortgage guarantee and comprehensive housing insurance are adopted, real estate insurance and personal insurance must be purchased. Personal insurance depends on age and loan amount. Property insurance premium = insurance amount multiplied by 0.8‰ reinforced concrete structure multiplied by insurance period.
For more information about the loan, it is recommended to consult Moore Long. Moore has the most professional internet finance platform in China, covering 37 1 city in China, with more than 2 million registered users, and provides tens of billions of yuan in loan services to various customers every year. 20 15, Softbank China capital shares in Morlon. Softbank Capital is a leading venture capital institution in China, and has successfully invested in a series of outstanding enterprises such as Alibaba, Taobao, Focus Media and Global Data.
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