Apply for the mortgage loan fee of my house.
1, housing appraisal fee
The applied property needs to be appraised by the house, which can only be appraised by the bank or the designated asset appraisal institution, and there will be appraisal fees in the middle. However, there is no uniform standard for the assessment fee of mortgage loan, which is generally linked to the assessed amount and then calculated directly according to the bill (the assessment deduction is about 200-500 yuan).
2. Notary fees
Some banks will require borrowers to fulfill fair loan contracts. After notarization of house mortgage, if the borrower defaults in the later period, the bank can evade the complicated procedures of auction by virtue of the notarized power of attorney, and forcibly complete the disposal of pledged property to ensure its rights and interests. At the level of charging standard, the notary office deducts 3‰ of the loan amount, and authorizes the notarization fee to be diversified at around 2000.
3. Appraisal fee for pledge right
It is the house ownership certificate that applies for real estate mortgage as general collateral. In this link, the borrower needs to pay the filing fee for the pledge of his rights. The tariff standards in each place will be different. General residential 80 yuan, commercial class must be 500-600 yuan.
4. Intermediary service fee
Some people want to get loans quickly and conveniently, and they will designate intermediary companies to handle mortgage loans. There is no such thing as a free lunch, and the intermediary company also needs to deduct the surcharge. There is no tariff standard for middlemen, which generally ranges from 2% to 10% of the total amount of the next paragraph. However, it can be noted that the more informal the intermediary, the greater the surcharge. In addition, the intermediary service fee has a certain bargaining area in a sense, mainly depending on how you master it. Regular customers are generally more talkative.
How can mortgage loans save more money?
1. Appropriate loan term
The longest loan period of housing mortgage loan is 30 years. According to the truth, the longer the loan term, the lower the repayment pressure, but the higher the loan cost; The shorter the loan term, the less interest and the lower the loan cost, but the repayment pressure is too great. Therefore, in order to save the loan cost, it is very important to choose the appropriate loan term. If the economic situation is not so good, it is best to choose a longer loan period, which will not seriously affect daily life. If the economic situation is more suitable, you can choose a shorter loan period to save the loan cost.
2. Appropriate repayment methods
There are many repayment methods of housing mortgage loans, but borrowers should not blindly choose, because the appropriate repayment methods can also save loan costs. Under normal circumstances, people who apply for housing mortgage loans can worry about equal principal repayment or equal principal and interest repayment. If you want to reduce the repayment pressure, it is best to choose the repayment method of equal principal repayment; However, if you want to save the loan cost, it is best to repay the principal and interest in the same amount, which will increase the repayment pressure.
3. Suitable loan commodities
Mortgage loan to buy a house belongs to housing mortgage loan. When handling mortgage loans, you can choose two kinds: personal provident fund loans and commercial loans. I believe many borrowers understand the advantages of personal provident fund loans, and the interest is low. If there is no provident fund, you can apply for commercial service loans, or if there is provident fund, you can get a combination of provident fund and commercial loans. In fact, no matter what the final loan product is, it is a good loan product as long as it can save the loan cost.
What will happen to personal credit loans overdue?
If the loan has not been repaid by the repayment date, in addition to continuing to pay the loan interest, it is also necessary to pay huge overdue interest and contract liquidated damages. Banks or different types of lending institutions have different deduction standards for overdue interest. Various private lending organizations will charge more than financial institutions. Some lending institutions need these borrowers to pay overdue interest, and they also need to pay huge contract liquidated damages.
Be urged to pay
At the beginning, lending institutions sincerely remind borrowers to pay off in one lump sum through SMS, but after a certain period of time, they will take actions to collect borrowers, such as making more than a dozen mobile phones and sending messages every day. Even if you change your phone number, they can still call your relatives and friends.
Endanger personal credit information
The interference with personal credit information is the most serious. No matter how you apply for a credit card or loan, as long as you access the central bank's personal credit information system, it will remain in the credit information report, which naturally contains overdue information. Bad credit records will not only damage the loans you have been making in commercial banks, but also affect your daily life.
Many people think that loans overdue will not affect personal credit for a day or two. Because financial institutions have a buffer period, if you default on the loan for three or six times, it will be overdue even during the buffer period, and if it is serious, it may be blacklisted.
towards
Loans overdue involves a large amount of money, and lending institutions may appeal. Although it is unlikely to go to jail, it will rule to freeze all your assets or force repayment.
Can agricultural bank loan mortgage notarization fee be exempted?
There is no notary fee. Agricultural Bank of China stipulates that there are only assessment fees and mortgage fees, and there is no notarization fee, so there is no free notarization fee. Agricultural Bank, generally referred to as China Agricultural Bank, was established in 195 1 and its head office is located at No.69 Jianguomen Inner Street. It is a large state-owned commercial bank and a national vice-ministerial unit.
What fees do you need to pay for real estate mortgage?
The handling fees of real estate mortgage loan mainly include: evaluation fee, measurement fee, mortgage registration fee, notarization fee, contract fee, etc.
Appraisal fee is also the house appraisal fee: the mortgage loan of real estate has the step of real estate assessment, and usually it can only be appraised by an appraisal institution recognized or designated by the bank. However, there is no uniform standard for the assessment fee of real estate mortgage loan, which is generally linked to the amount of assessment, or calculated directly according to the bill (ranging from 200-500 yuan for an assessment).
Registration fee for obtaining other rights by mortgage: generally, the property mortgaged by other warrants is registered by mortgage. In this link, the borrower needs to pay the mortgage registration fee for other rights. The charging standards in different regions will be different. Usually, the residential category is 80 yuan, and the commercial category needs 500-600 yuan.
Notarization fee: Some banks will require borrowers to notarize loan mortgage contracts. After the contract is notarized, if the borrower has the risk of default in the later period, the bank can bypass the complicated procedures of auction by virtue of the notarial certificate and forcibly dispose of the collateral to ensure its interests. In terms of fees, the notary office collects 3% of the loan amount and entrusts a notary fee of about 2,000 yuan.
1. Real estate mortgage means that the property owner takes the deed as the mortgage and obtains the loan to pay interest on schedule. The property right of the house is still managed by the property owner himself, and the creditor only takes interest on schedule and has no right to manage the house. After the loan is paid off, the property owner will terminate the mortgage of the deed. When the debtor fails to perform the debt, the creditor has the right to dispose of the mortgaged house according to law, and has the right to receive priority compensation for the proceeds from the disposal of the mortgaged house.
2. According to Article 32 of the Measures for the Administration of Urban Real Estate Mortgage, the following documents shall be submitted to the registration authority for mortgage registration: (1) the identity certificate or legal person qualification certificate of the mortgage party; (2) An application for mortgage registration; (3) mortgage contract; (4) State-owned land use right certificate, house ownership certificate or other evidence that someone agrees to mortgage; (5) Documents and evidential materials that can prove that the mortgagor has the right to establish mortgage; (6) Information that can prove the value of the mortgaged real estate; (7) Other documents deemed necessary by the registration authority.
How to charge for notarization of real estate mortgage contract?
Notarization fee-certification contract (agreement), certification of land use right transfer, transfer, house transfer, sale, equity transfer, charged according to the following standards:
If the target amount is less than 500,000 yuan, the proportion is 0.3%. The proportion of 200 yuan is less than that of 200 yuan; 50,0001yuan to 5,000,000 yuan, 0.25%; 0.2% will be charged for the portion of 500,000 yuan1to1000,000 yuan; 100000 1 yuan to 2000000,0.15%; 2000000 1 yuan to 50000000, 0.1%; 0.05% will be charged for 5000000 1 to 10000000 yuan; 1000000 1 yuan, 0.0 1%.
Mortgage loans do not need notarization in principle. Some banks and lenders require a kind of notarization called "mortgage compulsory notarization", which roughly means that if the debtor can't repay the debt, the bank or lender can bypass the complicated auction procedure and use the notarization to forcibly dispose of the property to repay the loan. Most private loans or corporate loans will take such measures.
According to the provisions of China's Notary Law, notarial certificates should generally have the effects of evidence, execution and civil legal acts, facts and documents. Article 36 of the Notarization Law: Notarized civil legal acts, facts and documents with legal significance shall be used as the basis for ascertaining the facts, unless there is evidence to the contrary to overturn the notarization.
So much for the mortgage notarization fee.