I'm going to buy a house in Suzhou, and I'm going to borrow 300,000 yuan from the park provident fund. I heard that there is a guarantee fee to be paid. What is the minimum guarantee fee? Are there any other charges? Suzhou Provident Fund Management Center does not charge any fees for applying for housing provident fund loans. Apply for housing provident fund loans should provide loan guarantees. At present, there are three ways to guarantee housing provident fund loans, and borrowers can choose one of them: (1) the guarantee provided by housing home purchase guarantee institutions; (2) Securities (government bonds and treasury bills under the name of the borrower or a third party), or the local and foreign currency certificates of deposit pledged at the housing provident fund loan undertaking bank; (3) The equal balance of housing accumulation fund under the name of the borrower or other people is pledged. Guaranteed by marketable securities and certificates of deposit, pledged according to the amount stipulated by the bank. If you choose a house purchase guarantee institution to provide guarantee, you need to pay the guarantee service fee.

The specific expenses of various provident fund loan guarantees are as follows:

Business expense standard for the construction of self-occupied housing with provident fund secured loans:

(1) Fees charged by the house purchase guarantee company:

1. Guarantee review fee: 50 yuan; 2. Guarantee fee: loan amount × 1% (less than 300 yuan charged by 300 yuan); 3. Service fee: 500 yuan/household (including loan handling, property right certificate, land certificate and mortgage registration service fee).

(2) Fees for handling property right certificate and mortgage formalities:1; Property registration fee: 80 yuan; 2. Cost: 10 yuan; 3. Surveying and mapping fee: 65,438 yuan +0.36 yuan /m2 for residence and 2.04 yuan/m2 for business; 4. Mortgage registration fee: 80 yuan.

Charge standard for mortgage replacement business of provident fund secured loans:

(1) Charge of the house purchase guarantee company:1; Guarantee review fee: 50 yuan; 2. Guarantee fee: loan amount × 0.5% (300 yuan will be charged according to 300 yuan if it is insufficient); 3. Service fee: 350 yuan/household (including service fees for handling loans, prepayment, mortgage cancellation and re-mortgage).

(2) Fees for mortgage formalities: mortgage registration fee: 80 yuan.

Business expense standard for purchasing self-occupied public housing with provident fund secured loans:

(1) Fees charged by the house purchase guarantee company:

1. Guarantee review fee: 50 yuan; 2. Guarantee fee: loan amount × 0.6% (if it is less than 200 yuan, it will be charged according to 200 yuan). 3. Service fee: 400 yuan/household (including loan handling, housing reform procedures, listing permit and mortgage registration service fee).

(2) Charge for property right and mortgage procedures: 1, and charge for property right certificate: 25 yuan (revised); 2. Mortgage registration fee: 80 yuan.

Charge standard for secured loan business of provident fund second-hand housing:

(1) Fees charged by the house purchase guarantee company:

1. Guarantee review fee: 50 yuan; 2. Guarantee fee: loan amount × 0.5 ‰× service life (if it is less than 300 yuan, it will be collected in 300 yuan); 3. Service fee: 400 yuan/household (including property right transfer, land certificate and mortgage registration service fee); 4. Appraisal fee: appraisal amount × 0.5%.

(2) Fees for handling property right certificate and mortgage formalities:1; Transfer registration fee: 80 yuan; 2. Transaction fee: 6 yuan /m2 (3 yuan/m2 for both parties); 3. Deed tax: 1.5%, comprehensive tax (housing reform): 1%, stamp duty: 0.5 ‰; 4. Land certificate processing fee: 33—38 yuan (divided by100m2); 5. Mortgage registration fee: 80 yuan.