2. Calculation formula of loan guarantee fee (when the rate is 0.0004): loan amount ×0.0004× loan term. For example, Mr. Wang borrows 300,000 yuan for 20 years, so: 30,000× 0.0004× 20 = 2,400 yuan.
Mortgage guarantee fee refers to the guarantee certificate that banks generally need borrowers to provide to legal persons, other economic organizations or natural persons with sufficient compensation ability in order to avoid mortgage risks. If you can find friends or relatives who are willing to provide you with guarantees and have financial strength, you can issue written documents and credit certificates for the bank. If you can't, you need to go to a professional guarantee company, and they will provide you with a guarantee and pay the fees at this time.
Legal basis: Regulations on the Management of Housing Provident Fund
Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds. The housing provident fund management center shall not provide guarantees to others.
Article 29 The value-added income of housing provident fund shall be deposited in the special account for value-added income of housing provident fund opened by the housing provident fund management center in the entrusted bank, which shall be used for establishing the risk reserve for housing provident fund loans, the management expenses of the housing provident fund management center and the supplementary funds for urban low-rent housing construction.