1. What are the charges for mortgage?
house property mortgage
Before making a mortgage loan, you must first know how much the house is worth, but this needs to be evaluated by a special evaluation company, and the evaluation is charged, so the mortgage of the house also needs to pay an evaluation fee.
Different banks will appoint different appraisal companies for appraisal. The appraisal is conducted by a professional appraisal company entrusted by the bank. Generally speaking, the factors that affect the evaluation price should first start with the pattern, orientation, floor and surrounding facilities such as banks, schools and hospitals, and select several recently traded houses in the nearby lots with the same land price for comparison, and then estimate a price. Generally speaking, the evaluation price is about 70% to 80% of the market transaction price. The appraisal fee is 0.5% of the total appraisal price. The amount of mortgage loan that can be applied for is 60% of the real estate appraisal value, and the maximum amount of housing can be applied for 70% of the appraisal value.
The cost of personal housing mortgage loan
Personal mortgage loan, referred to as mortgage loan for short, the mortgage buyer fills in the mortgage loan application form to the loan bank and provides the proof documents that must be submitted according to the legal documents such as ID card, income certificate, house sales contract and guarantee. After passing the examination, the loan bank promises loans to the buyers, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.
1. The role of the guarantee company in the process of handling the real estate mortgage loan is to undertake the phased guarantee. Under normal circumstances, banks will only lend to borrowers after the mortgage registration of real estate. If a guarantee company undertakes the phased guarantee, the bank can lend money to the borrower after receiving the certificate issued by the guarantee company. More timely use of funds.
2. There are two kinds of expenses in the process of handling real estate mortgage loan: real estate appraisal fee and guarantee service fee.
Second, the real estate mortgage need to provide information
(1) Information required for private housing mortgage loan
1, original property certificate, original land use certificate and its copy.
2. The original and photocopy of the ID card, marriage certificate or household registration book of the mortgagor and his wife.
3.* * If there is a house, the original written proof that * * * someone agrees to mortgage must be provided.
4. If the parties to the mortgage cannot reach an agreement on the value of the mortgaged property, it shall be determined by the real estate appraisal agency and provide an appraisal report.
(two) to provide public housing mortgage information.
1, original property certificate, original land use certificate and its copy.
2 enterprises and institutions shall provide the original and photocopy of their legal person qualification certificates.
3.* * If there is a house, the original written proof that * * * someone agrees to mortgage must be provided.
4. If the parties to the mortgage cannot reach an agreement on the value of the mortgaged property, it shall be determined by the real estate appraisal agency and provide an appraisal report.
5, the real estate mortgage of state-owned enterprises and institutions, should be submitted to the state-owned assets management department agreed to the original written proof.
6, the real estate mortgage of collective-owned enterprises, should be submitted to the original resolution adopted by the enterprise staff (representative) general assembly.
7. The original resolution of the board of directors shall be submitted for the real estate mortgage of Sino-foreign joint ventures, cooperative ventures and wholly foreign-owned enterprises.
8. If the real estate of a limited liability company or a joint stock limited company is mortgaged, the original resolution adopted by the board of directors or the shareholders' meeting shall be submitted.
Third, the real estate mortgage registration procedures
1. Apply for mortgage registration. To apply for real estate mortgage registration, an application shall be submitted to the registration authority first.
2. The registration authority accepts the application. The registration authority shall examine whether the documents submitted by the applicant are true and complete. If the application documents do not meet the requirements, they will not be accepted; If the application documents meet the requirements, it shall be accepted and given the application number, and the receipt shall indicate the documents received, the date of acceptance and the number.
3, the registration authority for review.
(1) The registration authority shall find out the status of real estate rights applying for transfer registration from the real estate register.
(2) Check whether the relevant documents are true, complete and effective after finding out the right status of the real estate applying for mortgage registration from the real estate register or computer records.
(three) if it meets the requirements after examination, it shall be approved and registered, and the mortgagor shall be notified.
4, the registration authority for registration.
(1) If mortgage registration is granted, a special seal for mortgage shall be affixed to the certificate of real estate ownership, and the mortgage situation shall be recorded in the real estate register. The mortgage record shall include the name, area, value, mortgage amount and mortgage term of the mortgagor and mortgagee and the mortgaged property.
(2) When purchasing real estate mortgage in advance, a special seal for mortgage shall be affixed to the sales contract.
5, the registration authority fee certification.
(1) Registration fees shall be charged according to relevant national or local regulations.
(2) Return the real estate title certificate stamped with the special seal for real estate mortgage to the mortgagor within the specified time (the mortgagor will collect it with the receipt, identity certificate and payment voucher).
6, the registration authority for the record. The registration institution shall establish land and real estate registration files according to the regulations.
The above knowledge is my answer to the question "What is the cost of real estate mortgage". When the house is mortgaged, the main expenses paid for mortgage registration include the appraisal fee and guarantee service fee of the house, which shall be borne by the lender.