1, lawyer's fee. You need to pay a certain lawyer's fee to apply for commercial loans and portfolio loans. You don't need to pay a lawyer's fee to apply for a provident fund loan. The proportion of lawyer fees charged is generally 3% of the loan amount.
2. Notary fees. If you want to buy a house for notarization, you need to pay a certain notarization fee. The fee is generally 200-400 yuan, which is mainly collected by the local notary office.
3. Insurance premium. Insurance premiums are mainly divided into mortgage plus joint liability protection and mortgage plus comprehensive insurance protection for house purchase. Different situations charge different insurance premiums. Please consult the loan bank for details.
What needs to be understood is that there is no need to pay legal fees and notarization fees. If an individual does not need to entrust an agent to handle or notarize his mortgage loan, he does not need to pay these two fees. If it is entrusted to a developer or an intermediary, it will be charged.
In addition, it should be noted that the fees charged by different regions and banks are different, depending on the local charges.