However, there is one fee that customers usually have to pay, and that is the mortgage registration fee. Because of the loan to buy a house, you need to go to the local real estate management department for mortgage registration before you can lend money. The bank bears a small part of this cost (production cost) and the customer bears most of it (mortgage cost). The amount varies from place to place, and the mortgage fee is generally about 1.8 of the house price in the house sales contract.