The guarantee fee for 15 provident fund loans is 0.8 12%, but commercial loans do not need guarantee fees. The bank will not approve a commercial loan of 50 thousand yuan. At present, the bank's minimum commercial loan amount is 150,000, and the guarantee fee for provident fund loan15 is 0.8 12%, but there is no guarantee fee for commercial loans. You plan to take out a business loan.
Second, how to calculate the guarantee fee for provident fund loans?
The guarantee fee of provident fund loan is a guarantee behavior with joint repayment responsibility provided by the depositor when handling the personal housing provident fund loan. It is the guarantee company that collects the guarantee fee from the borrower according to the loan amount and loan period of the borrower's housing provident fund. The guarantee fee shall be charged at one time, and the charging standard of the guarantee fee shall be implemented according to the standard approved by the price management department.
The charging standard is: municipal: 0.5% of the secured loan; State management: charge 0.3% of the secured loan.
The lowest charge is 300 yuan, and it takes extra diplomacy to pay money in the provident fund management center in 2 yuan.
Three, how to calculate the housing provident fund loan guarantee fee?
The guarantee fee for provident fund loans refers to that ordinary banks need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity in order to avoid mortgage risks. The following is about the housing provident fund loan guarantee fee!
First, the requirement of housing provident fund loan guarantee fee. First, for purchased commercial housing, cooperative housing, affordable housing (Anjufang) and self-built housing, the amount of housing provident fund loan guarantee fee shall not exceed a certain proportion of the house price, and the amount of housing provident fund loan guarantee fee shall not exceed 70% of the house price or construction cost; Now living in public houses, housing renovation, overhaul from the housing, housing provident fund loan guarantee fee shall not exceed 50% of the housing price or housing repair costs; When buying a private house, the amount of the guarantee fee for the housing provident fund loan shall not exceed 70% of the assessed value and transaction price of the house; The replacement of public housing, housing provident fund loan guarantee fee amount shall not exceed 50% of the public housing replacement compensation assessed by the replacement enterprise; The purchase of public housing property rights, the amount of housing provident fund loan guarantee fees shall not exceed 50% of the total price of public housing replacement assessment compensation and public housing sales. 2. The loan guarantee amount shall not exceed a certain multiple of the deposit balance of housing provident fund, and the loan guarantee fee of housing provident fund shall not exceed 15 times of the deposit balance of housing provident fund of both husband and wife of the borrower. Iii. Method of guarantee fee for housing provident fund loans: (1) Guarantee guarantee means that the guarantor and guarantee company of housing provident fund loans provide joint and several liability guarantee for borrowers. (2) Mortgage guarantee means that the borrower of housing provident fund loan can use the property owned by himself or a third party as mortgage guarantee. (3) Personal housing provident fund guarantee refers to the joint and several liability guarantee provided by the borrower of housing provident fund loan or others who take personal housing provident fund as the borrower. The guarantor's housing provident fund balance should reach more than 80% of the loan amount. (4) Pledge guarantee means that the borrower of the housing provident fund loan takes securities such as government bonds and bank deposit certificates as collateral to provide full guarantee. Two. Calculation of guarantee fee for housing provident fund loan: calculation formula of guarantee fee for housing provident fund loan: loan amount 4.5/65438+ loan term 00000. Case analysis: calculation example of guarantee fee for provident fund loan 1: If the borrower borrows 500,000 yuan and the loan term is 20 years, the guarantee fee for provident fund is 5000004.5/1000020 = 4,500 yuan. Example 2: If the borrower borrows 200,000 yuan and the loan period is 30 years, the guarantee fee paid for the provident fund is: 2000004.5/ 1000030=2700 yuan.
4. How to calculate the guarantee fee for provident fund loans?
The rates of provident fund guarantee fees vary from place to place, from region to region and from loan period to loan period. The specific calculation shall be subject to the provisions of the local provident fund management center.
Calculation method of guarantee fee
The calculation method of guarantee fee is: guarantee fee = guarantee rate and guarantee amount.
For example, if the borrower borrows 400,000 yuan, the loan term is X years, and the coefficient of loan X years is M, then the guarantee fee paid is 400,000 yuan.