1, mortgage registration fee
The mortgage registration fee is the fee you have to pay when you go to the real estate registration department to go through the mortgage formalities. There are different charging standards for this fee, mainly depending on the specific regulations in your area. Taking Beijing as an example, the total handling fee for house mortgage and other rights certificates is 160 yuan.
2. Assessment fee
Second-hand houses are affected by many factors, such as service life, traffic conditions, geographical location, lighting and ventilation. Therefore, professional evaluation is needed to determine the value of the house before the sale, and the evaluation fee is the service fee charged by the evaluation agency. Buying a second-hand house is generally evaluated by an intermediary or an evaluation agency designated by a bank, and the cost will be different, generally ranging from 0. 1% to 0.5% of the evaluation price.
3. Guarantee fee
Sometimes, in order to avoid the risk of mortgage, the bank will ask you to provide a guarantee certificate from an institution or individual with sufficient economic ability. At this time, you need to find a professional guarantee institution, let them guarantee for you, and then you pay them some service fees. The service fee here is the guarantee fee. As for the specific amount of guarantee fee, it can be decided through consultation with the guarantee company.
4. Housing insurance premium
Insurance premium is also one of the expenses to be paid for mortgage, in order to protect the house from fire, public security and other accidents. The charging standard is loan amount ×0.05%× loan period, but this fee is paid voluntarily, and you can choose to pay it or not.
After understanding the cost of buying a house with a loan, you also need to understand the process of buying a house with a loan, as follows:
1. You need to bring your ID card, household registration book, marriage certificate, real estate license and other materials to the bank to apply for a loan;
2. The bank will appoint an evaluation agency to evaluate the property, and you need to pay the evaluation fee;
3. The law firm designated by the bank issues a legal opinion, agrees to issue the loan, and gives you a loan commitment letter;
4. You sign a mortgage contract with the bank and notarize it;
5. You go to the real estate registration department for mortgage registration and pay the mortgage registration fee and insurance premium;
6. The bank will release the loan to your designated account within the specified time limit, and you only need to repay it on time.
Now, do you know how to apply for a loan and what fees to pay for buying and selling second-hand houses?
(The above answers were published on 20 16-06-23. Please refer to the actual situation for the current purchase policy. )
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