the cost of housing mortgage loans by intermediaries is relatively high \xd\ If an intermediary company handles housing mortgage loans, it can benefit a lot. Generally speaking, they charge 3% of the house loan as a handling fee. If the loan is 1.5 million yuan, the handling fee is 45 thousand yuan. In addition, the loan interest rate will be different according to the loan period and the situation of different banks, and the difference is still relatively large. The longer the general life, the lower the interest rate. Most intermediary companies, mortgage interest rates, will rise by about 2%-3%. However, the cost of housing mortgage loans through intermediaries is still much lower than that of private lending. \xd\ mortgage or pawn? Beware of the concept being stolen by the intermediary \xd\ Find an intermediary to handle the mortgage loan. If you trust the intermediary too much and submit your personal identity documents, house books, entrusted notarization, etc. to the intermediary, the intermediary may use these materials to make the mortgage loan a standard for the house! Only when the lender received the dunning call from the pawnshop did he realize that the house had been pawned. Moreover, the general redemption period is three months to six months, which is a quick and short-term financing behavior. \xd\ Remind everyone that it is best for ordinary buyers not to collect money to buy a house through mortgage loans. Because the mortgage procedures are relatively complicated and the interest rate is relatively high, the pressure on buyers is still very great. In addition, you must find a formal intermediary to obtain a loan from the bank for mortgage loans, and don't hand over the real estate license and ID card easily.