Mortgage fees mainly include: 1, housing survey fees: charged by the Housing Authority; 2. Housing appraisal fee: 5% of the appraisal price will be collected by the appraisal company. 3. Mortgage agency fee: the service fee charged directly by the mortgage company, with the loan amount as the standard (1%~1.5); Different mortgage companies have different standards, generally 1% or 1. % of the loan amount; 4. Loan insurance premium: loan amount1%; The loan term is collected by the insurance company, and the longest term of the second-hand housing mortgage loan is 20 years; 5. Notarial fee for loan contract; 6. Notarization fee for mortgage contract agreement; 7. Transaction entrustment notarization fee; 8. Bank provident fund agency fee: charged by the corresponding bank; 9. Registration fee for other rights: collected by the Housing Authority; 10, loan stamp duty: 0.005% of the loan amount, collected by the bank.

Legal objectivity:

Article 36 of the Commercial Bank Law: The borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.