When couples intend to divorce and divide their property, the house is often an unclear topic. When applying for a loan, one of the husband and wife will be the main lender. If the house is given to a sub-lender, then you have to go to the bank to go through the formalities of change. How much does it cost to change the main lender? The answer is beyond everyone's expectation!
How much does it cost to change the main lender?
When the bank agrees to change the main lender, both the original main lender and the sub-lender need to go to the bank to sign a new loan contract and go through the formalities for changing the main contract. After the change, the monthly repayment amount of the loan and the remaining principal and interest to be repaid remain unchanged.
After the change formalities are completed, only the fee of the real estate license is charged, which is about 85- 120 yuan. In addition, there will be no other fees and taxes.
However, borrowers need to realize that most banks will not agree to change their main lenders. Because the bank has considered the borrower's income and repayment ability from the beginning. Under such circumstances, the bank's audit of the main lender is very strict. If the lender is to be changed, the bank will doubt the repayment ability of the subprime lender.
In the case that the financial strength of the sub-prime lender is not as good as that of the main lender, the bank will not agree to change the main lender under such a big overdue risk. It is suggested that before changing the main lender, the sub-lender can regularly deposit a sum of money in the bank six months in advance, as a running water to prove his financial resources.
If you apply for a provident fund loan, you should go to the provident fund management center to verify the qualifications of the new lender, and you should also go to the loan bank to verify it. The process is complicated and troublesome.
The above is the sharing of "How much does it cost to change the main lender?" I hope it will help everyone!
The process and cost of adding the name of the loan house
There are three ways to add the name of the real estate license: there is no loan in the real estate, and there is a loan in the real estate, which has nothing to do with the owner of the real estate. The first case: when there is a house without a loan, you need to hold the original and photocopy of the real estate license, ID card and marriage certificate. Submit the materials in the relevant window of the real estate trading center where the real estate is located, and the staff can complete the review of the materials before handling it. Fee for adding the name of the real estate license: 1 10 yuan handling fee, with details as follows: production fee of 80 yuan, cadastral map fee of 25 yuan and sticker fee of 5 yuan. If you succeed in 20 days, you can get a new real estate license. In the second case, if the real estate has a loan, you must go to the bank to go through the formalities for changing the mortgage of the real estate, and the other steps are the same as those in the first case. Fee for adding the name of the real estate license: in addition to the above-mentioned 1 10 yuan, if it is a pure provident fund loan, an additional fee of 100 yuan is required; If the loan is in the form of portfolio (provident fund commercial loan), it shall be paid separately to 200 yuan. In the third case, if it is not related to the property owner, it is regarded as a house sale, and the following fees need to be paid: 1, 2.5 yuan transaction fee per square meter. 2. If it is less than 5 years, 5.5% business tax plus 1% personal adjustment tax (the time period is from the date when the real estate license is issued to the end of the trading day), and it is not needed for 5 years. 3. Stamp duty of five ten thousandths. 4. Four contracts, each around 5 yuan (different trading centers in different districts). 5. If one party transfers 50%, all taxes and fees shall be calculated according to the market price. If the house is 6,543,800 yuan, the taxable value is 500,000 yuan. 6. If several people transfer the title certificate, the rights and interests of the title certificate shall be divided equally.
Legal basis: Article 14 of the Provisional Regulations on the Registration of Real Estate stipulates that an application for registration of real estate due to sale or mortgage shall be made by both parties. In any of the following circumstances, the parties may apply unilaterally: (1) unregistered real estate applies for registration for the first time; (2) Inheriting or accepting bequests to acquire real estate rights; (3) The effective legal document of the Arbitration Commission or the effective decision of the people's government if the real estate owner is established, changed, transferred or eliminated; (four) the name, ownership or natural conditions of the obligee have changed, and the application for registration of change has been made; (five) the loss of real estate or the right holder to give up real estate rights and apply for cancellation of registration; (six) to apply for registration of correction or objection; (seven) other circumstances stipulated by laws and administrative regulations that can be unilaterally applied by the parties.
How much is the loan transfer fee?
1. Agency fee of intermediary company:
① Independent entrustment: the seller 1% and the buyer 1.5%.
② Hand in hand: the contract amount/handling fee charged is less than 200,000 yuan /0.6%, with the lowest 800 yuan. 200,000 ~ 400,000 /0.5%, the lowest 1.200 yuan. More than 400,000 yuan /0.4%, with a minimum of 2,000 yuan and a maximum of 5,000 yuan.
2. Transfer fee: project/buyer/seller deed tax/transaction price × 1.5% transaction fee /3 yuan/m2 transfer registration fee /80 yuan/household property transaction fee/(transaction price or guide price-evaluation price) × area ×0.9%.
3. Real estate transaction fee: Remarks: If there is no land title certificate for the transaction house, land income shall be paid.
4. Appraisal fee: Appraisal price ×2%
5. Notarization fee: 350 yuan.
6. Insurance premium: loan amount × loan term × insurance premium rate.
7. Mortgage registration fee: 55 yuan.
The specific operation process of remortgage:
1. The buyer and the seller sign a sales contract to confirm in advance whether the buyer has the ability to repay the loan.
2. When the bank agrees to the buyer's loan, it chooses to apply for interbank lending or interbank lending (Note: if the seller repays less than one year, it generally chooses interbank lending or interbank lending; If it has been one year, you can choose to transfer money across banks).
3. The buyer applies to the bank for refinancing, submits relevant materials and pays relevant fees, including guarantee fees. Banks usually designate their recognized guarantee companies or intermediaries to undertake the guarantee responsibility of advance payment. That is, after lending money to the buyer, if the seller defaults or the buyer defaults, resulting in the house not being sold, the guarantee company or intermediary agency shall be liable to the bank for compensation. The guarantee fee in the sub-prime mortgage loan is generated from this. At the same time, the seller needs to sign a letter of commitment to the bank, guarantee company or intermediary agency, and the buyer needs to issue a letter of guarantee to the bank.
4. On the day when the re-mortgage application is approved by the bank and the bank confirms that the loan can be repaid, the guarantee company or intermediary agency designated by the bank where the buyer applies for the loan shall handle the repayment formalities with the relevant funds.
5. After completing the loan repayment procedures, the guarantee company or intermediary agency will cancel the mortgage registration for the seller.
6. After completing the mortgage cancellation procedures, both parties shall go to the housing management department for transfer accompanied by the guarantee company or intermediary agency.
7. The guarantee company or intermediary agency will collect the real estate license on its behalf, and after mortgage registration, it will obtain the certificate of other rights and hand it over to the buyer.
How much does it cost to refinance a mortgage with the same name?
Most people will not change banks easily after completing the mortgage loan, and it takes a lot of formalities and preparations to transfer the loan from one bank to another. However, some people will still be willing to apply for a mortgage loan with the same name, because the expected annualized interest rate of the next bank loan will generally be much lower, which will save a lot of interest. However, applying for a mortgage with the same name also requires some fees. How much are these expenses? Which one is more than the interest saved? Let's have a look.
According to various sources, the expenses involved in refinancing include guarantee fee, appraisal fee, mortgage fee and notarization fee. We might as well give an example to calculate these expenses and see how much they usually cost.
1. guarantee fee: because we need to find a guarantee company to settle the mortgage first, the guarantee company will charge a corresponding fee in this process, which is usually several thousand yuan, and we assume it is 3,000 yuan.
2. Appraisal fee: Appraisal fee is the fee charged by appraisal company after appraising the house value. Because it is necessary to re-apply for a mortgage in a new bank, it is generally several hundred yuan to evaluate the value of the house. Let's assume that 400 yuan.
3. Mortgage fee: mortgage registration fee. The house needs to be mortgaged again, so the mortgage fee is generally charged by the housing management department, and each set is tens of yuan. Let's assume it's 80 yuan.
4. Notarization fee: generally, it is necessary to go to a notary office for notarization to ensure safety, and the notary office collects this notarization fee. Usually it's several hundred yuan, so we assume that 500 yuan will be charged.
When these expenses are added together, it will cost 300040080500 yuan to refinance the mortgage. Of course, the above items are general items, and there may be other expenses in some cases. The charging standards of various institutions are different, and the actual handling shall prevail.
Although the mortgage with the same name can save a lot of interest, you'd better calculate the interest you can save and the expenses you need before handling it, and see if it's worth handling the mortgage job-hopping. However, according to our experience, handling a mortgage with the same name can generally save tens of thousands of interest, otherwise it is not necessary to handle it. At this time, the handling fee of several thousand yuan is basically negligible.
What are the procedures for changing the name of a house with a loan?
First, no mortgage is renamed.
1. Prepare the original and photocopy of documents (marriage certificate, ID card, real estate license).
2. Go to the real estate trading center in the area where the house is located, first inform the staff of the real estate trading center that they have come to apply for the real estate license to add the spouse's name, fill in the "Agreement" of the couple's real estate, and the window staff will review the submitted materials. If the materials are complete, they will give you a number and then take it to the relevant window.
3. Registration fee for real estate license: 80 yuan/set, drawing fee: 20 yuan/certificate. If you succeed in 20 days, you can get a new real estate license.
4. You can set a password for the new real estate license, and the real estate trading center will tell you an initial password, which you can modify afterwards.
Second, the name of the housing loan has changed.
1. Go to the bank to go through the mortgage change formalities and get the bank's consent to add the name.
2. Name-adding fees for real estate licenses: In addition to the above fees, some banks will also charge name-adding fees. If it is a pure provident fund loan, you need to pay an extra fee of 100 yuan; If the loan is in the form of securities
(Commercial loan for provident fund), and pay it to 200 yuan. Adding some loan banks to the real estate license will raise the charging standard. For more information, please pay attention to WeChat: Shanghai SouFun Broker.
3. Other steps are the same as "no housing loan".
Third, the process of adding the name of the real estate license-adding the name of the child
If it is handled according to the procedure of donation, you can refer to the above-mentioned procedure of house donation, but the difference is that if the names of husband and wife are already on the real estate license, the names of children are added to the real estate license, assuming that the benefits of children are one-third of the appraised value of the house, the required notarization fees and deed taxes are calculated accordingly according to one-third of the appraised value.
Real estate license renaming fee
There will be deed tax for the change of household name (transfer) caused by the transfer of this kind of real estate, such as the sale, gift or inheritance of general real estate, and the cost is not low, but since you are divorced and belong to property division, there should be no cost. The house you bought by mortgage, the real estate license will be mortgaged in the bank. Pay off the loan and you will get the real estate license. Then according to the divorce agreement signed at the time of divorce, or the judgment, (which has the details of property division) to the real estate bureau for transfer.