House is a very important place for people to live, so buying a house is necessary for many newly married people. Of course, if you buy a house, you need to pay the house price in one lump sum, and you need a loan. The loan will definitely involve some formalities of payment. Many people want to know, how much is the handling fee for buying a house and getting a loan in China? 1. What's the handling fee for buying a house loan in China? 1, mapping fee: the mapping fee is determined according to the specific conditions of each district, such as: ordinary residence 1.36 yuan/square, commercial housing 2.04 yuan/square, and production workshop 2.72 yuan/square. 2. Appraisal fee: 6,543.8+0.5% within 0,000 yuan (the appraisal amount is allowed to float); Exceeding 0.3% of1100,000 yuan (assessed amount, allowed to float). 3. Transaction costs: Generally speaking, new commercial housing, 3 yuan/square; Second-hand house, 6 yuan/m2; Non-housing, 10 yuan/square. 4. Production cost: 80 yuan for housing and registration fee, 550 yuan for non-housing and registration fee (also called production cost). 5. Mortgage registration fee: house, 120 yuan; Non-residential 550 yuan (floating allowed). In addition, the buyer should also pay some taxes, such as deed tax: 65438+ 0.5% of the house price (3% for the area above 144 square meters and 1% for the area below 90 square meters). Land transfer fee: based on the construction area 1.5%, the housing area 140 or more needs 3% (only for public houses, that is, there is no land certificate). Stamp duty: 0.05% of the house price. All the taxes listed above belong to the buyer, and the fees in different regions may be different. Second, what documents do you need to buy a house? Generally speaking, the one-time payment for the purchase of a house can only provide a copy of the ID card of the purchaser. However, if mortgage to buy a house wants to provide the ID card, household registration book, copy of marriage certificate and the original income certificate of the buyer's husband and wife, the unmarried person needs to provide the unmarried certificate. If it is a second-hand house, the other party has a property right certificate, so you can just sign a contract with it. If you need to borrow from a bank, you need proof of identity, proof of marital status, proof of academic qualifications, proof of income and other materials to prove your qualifications, but it depends on the specific requirements of each lending bank. This is the certificate we need when we go through the formalities of buying a house. At the same time, when buying a house, we also need to look at the developer's documents, such as business license, construction land planning permit, construction project planning permit, state-owned land use permit, construction project construction permit, commercial housing pre-sale permit, etc. With these certificates, you can legally buy a house. According to the relevant laws and regulations, the procedures required for buying a house and applying for a loan include surveying and mapping fees and evaluation fees. If the house is registered as factory fee, it is 80 yuan. If you need a mortgage, there is also a mortgage registration fee, with a house 120 yuan and no house in 550 yuan.
Do I have to pay a handling fee to buy a second-hand house and borrow from the bank?
Hello, there are handling fees for second-hand housing loans, mainly housing evaluation fees and guarantee fees:
1, the house appraisal fee, which is generally three thousandths of the appraisal value, the lowest fee is 300 yuan and the highest is 1500 yuan.
2. The guarantee fee is generally three thousandths of the loan amount, and the minimum fee is 300 yuan.
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1. What is the process of handling second-hand housing loans?
1. The materials that need to be prepared for handling the second-hand housing loan should be made clear to the bank before handling the loan. What materials and certificates both buyers and sellers need must be prepared in advance. The first is the application form for mortgage loan, proof of letter of intent for house purchase and other materials. Then, the buyer should prepare his own proof of income with official seal, and the person he can contact, telephone number, address, ID card, household registration book and marital status should also be submitted to the bank. The seller is also required to provide identity cards, household registration books, certificates of consent to sell, and proof of house property rights.
2. The bank evaluates the house applying for the loan. Not all second-hand houses can be loaned, but it is also related to the age of second-hand houses. Too old banks don't lend. After the required materials are submitted completely, the bank will arrange a time for a professional real estate appraisal agency to evaluate the market price of the house, so as to calculate the loan amount.
3. Bank Approval If your information and documents are provided to the bank and the house meets the loan conditions, after the completion of real estate assessment, the bank will review the relevant qualifications of the second-hand house purchaser, that is, the loan applicant, and determine the loan amount accordingly. Its approval needs to refer to the lender's income, housing evaluation price and other aspects.
4. After the transfer and mortgage loan are approved, the buyer and the seller can handle the transfer and mortgage after the transfer. After the approval, the buyer can pay the down payment to the owner and issue the down payment certificate. Then the buyer and the seller carry this voucher, and the bank staff carry the approved mortgage application review commitment and other materials to the local real estate exchange for the transfer of house ownership certificates. Give the certificate of immovable property rights to the bank as collateral, and after the transfer, give the certificate of immovable property registration to the bank, and the bank will use it as collateral. At this time, the bank will truly unify the loan application for second-hand housing. After all the formalities are completed, the bank will divide the deposit accounts of the buyers in turn or at one time according to the amount agreed in the loan contract. abstract
Do I have to pay a handling fee for buying a second-hand house and a bank loan? Ask a question
Hello, there are handling fees for second-hand housing loans, mainly housing evaluation fees and guarantee fees:
1, the house appraisal fee, which is generally three thousandths of the appraisal value, the lowest fee is 300 yuan and the highest is 1500 yuan.
2. The guarantee fee is generally three thousandths of the loan amount, and the minimum fee is 300 yuan.
：
1. What is the process of handling second-hand housing loans?
1. The materials that need to be prepared for handling the second-hand housing loan should be made clear to the bank before handling the loan. What materials and certificates both buyers and sellers need must be prepared in advance. The first is the application form for mortgage loan, proof of letter of intent for house purchase and other materials. Then, the buyer should prepare his own proof of income with official seal, and the person he can contact, telephone number, address, ID card, household registration book and marital status should also be submitted to the bank. The seller is also required to provide identity cards, household registration books, certificates of consent to sell, and proof of house property rights.
2. The bank evaluates the house applying for the loan. Not all second-hand houses can be loaned, but it is also related to the age of second-hand houses. Too old banks don't lend. After the required materials are submitted completely, the bank will arrange a time for a professional real estate appraisal agency to evaluate the market price of the house, so as to calculate the loan amount.
3. Bank Approval If your information and documents are provided to the bank and the house meets the loan conditions, after the completion of real estate assessment, the bank will review the relevant qualifications of the second-hand house purchaser, that is, the loan applicant, and determine the loan amount accordingly. Its approval needs to refer to the lender's income, housing evaluation price and other aspects.
4. After the transfer and mortgage loan are approved, the buyer and the seller can handle the transfer and mortgage after the transfer. After the approval, the buyer can pay the down payment to the owner and issue the down payment certificate. Then the buyer and the seller carry this voucher, and the bank staff carry the approved mortgage application review commitment and other materials to the local real estate exchange for the transfer of house ownership certificates. Give the certificate of immovable property rights to the bank as collateral, and after the transfer, give the certificate of immovable property registration to the bank, and the bank will use it as collateral. At this time, the bank will truly unify the loan application for second-hand housing. After all the formalities are completed, the bank will divide the deposit accounts of the buyers in turn or at one time according to the amount agreed in the loan contract. answer
Is there a handling fee for buying a house for commercial loans?
1. There is a handling fee for buying a house. Commercial loans borrowed from banks with the purchased houses as collateral must be registered in the real estate trading center. Therefore, the real estate trading center will charge mortgage registration fee and mortgage handling fee.
2. The general mortgage handling fee is five thousandths of the loan amount, and the mortgage registration fee ranges from tens to one hundred, which is charged by the real estate trading center, and the bank does not charge any formalities.