The real estate mortgage registration fee is not much, and it is not as troublesome as the real estate transaction transfer fee. Real estate mortgage is only a temporary form of fund conversion, but the relief it brings is great. Moreover, this method of mortgaging fixed assets is very popular now. If you don’t see the benefits of this, you can read the introduction in the knowledge. What is the mortgage registration fee? Who should bear the mortgage registration fee?
What is the mortgage registration fee?
1. The real estate mortgage registration fee is the cost of the housing management bureau to handle the real estate mortgage procedures for the person who mortgages the real estate. The real estate mortgage fee is priced according to the type of residence. Residences are divided into ordinary residences and non-ordinary residences. The real estate mortgage registration fee for ordinary residential buildings is 80 yuan, which is the same as the real estate transfer registration fee. The real estate mortgage registration fee for non-ordinary residential properties is 0.4% of the mortgage amount applied for.
2. Although many young people have worked for many years, they do not have much financial reserves. But if you have inherited a house from your parents or bought a house with your own strength, then you can apply for a real estate mortgage. After applying for a real estate mortgage, you can still own the property rights of your own house and live in it, so that you have business capital. Moreover, self-operated enterprises are exempted from deed tax by the state.
3. If there is no other way to solve the debt problem, you can only use real estate mortgage to solve the problem. This kind of real estate mortgage is very passive. Once the debt or loan is not repaid on time, the house will be repossessed. Therefore, this kind of mortgage method has certain risks, because the price of real estate mortgage is not very high, so the value of the house will be reduced. Mortgage debt is only suitable for desperation.
4. Other forms of conversion of real estate mortgage. When you buy a house and use other assets that are not mortgaged as collateral for the loan, you can use other houses in your name as mortgage for the loan to buy a house elsewhere in full, or pay a down payment to buy another house with a loan.
Who should bear the mortgage registration fee
The unit or individual who applies for real estate mortgage loan registration. Real estate mortgage registration refers to the fact that after the mortgage relationship of the real estate is established, the parties concerned shall register according to the real estate registration fee. The administrative authority shall go to the municipal, district or county real estate registration authority to handle the registration of other real estate rights.
Charging standard: 1.5% of the mortgage amount. If you apply for mortgage loan renewal for the same mortgage, only 10 yuan will be charged each time, and no more mortgage registration fees will be charged.