How much is the mortgage fee?

Under normal circumstances, the charging standard of the registration department is each set of 80 yuan, and the mortgage registration fee means that the mortgage lender goes to the Housing Authority to handle the mortgage loan formalities and pays a certain service fee to the Housing Authority, that is, the mortgage registration fee. How much is the mortgage fee?

The legal basis of the mortgage fee.

In order to ensure the performance of the debt, if the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, if the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be compensated in priority for the property.

The debtor or the third party mentioned in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

Housing mortgage loan cost

The borrower shall apply to the bank for a loan, explain the purpose and reasons of the personal loan, and submit the corresponding loan materials. The handling fees involved in house mortgage mainly include appraisal fees, attorney fees, insurance fees, mortgage registration fees, notarization fees, etc. Suggest lending it to Moore Lang. A single enterprise tax bill loan can be lent in 30 minutes, which is trustworthy.

After the borrower applies for a loan from the bank, the bank will review the submitted materials. After approval, the bank will send professionals to evaluate the value of their houses. After the evaluation results come out, the bank will determine the loan amount according to the value of the house. Inform the bank borrower to come to the bank to sign the loan contract, go through the mortgage formalities and wait for the bank to lend money. The details of the handling fees involved in housing mortgage loans are as follows:

1. Appraisal fee: Generally speaking, the mortgage loan with a house needs to be appraised first, and the lending institution will determine the loan amount according to the price assessed by the professional appraisal company.

2. Attorney's fees: In addition to pledge, the application for commercial loans must be reviewed by lawyers, and legal opinions will be issued by law firms.

3. Insurance premium: In the provident fund personal housing loan, if mortgage guarantee and comprehensive housing insurance are adopted, real estate insurance and personal insurance must be purchased. Personal insurance depends on age and loan amount. Property insurance premium = insurance amount multiplied by 0.8‰ reinforced concrete structure multiplied by insurance period.

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Property mortgage fee?

Housing mortgage loan fee: (1) The interest rate of housing mortgage bank loan is 5.94% per annum. Interest rates will go up or down according to different situations of different people (up to 30%). (2) Handling fees include appraisal fees, insurance fees, loan contract notarization fees, mortgage registration fees, etc. The total cost is several thousand to ten thousand yuan (depending on your loan amount and the bank you choose). The repayment rate is based on the life of your loan: annual interest rate (%) 1. Short-term loans within six months (including six months) 5. 10 Six months to one year (including one year) 5.56 2. Medium-and long-term loans for one to three years (including three years) 5.60 Three to five years (including five years) 5.96 More than five years 6.65438. Housing mortgage loan conditions: (1) Legal status: stable economic income, ability to repay the principal and interest of the loan, property ownership certificate without bad credit record, identity card of the right holder and spouse, household registration book of the right holder and spouse, marriage certificate of the right holder (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau) (2) Income certificate: if the property ownership certificate holder has minor children, please provide birth certificate; if there is bank loan in the property. In order to improve the loan pass rate, please provide other family property certificates as far as possible (such as separate real estate license, stocks, funds, cash passbook, vehicle driving license, etc.). ). The mortgage loan requires the house to be within 20 years; The housing area should be more than 50 square meters; The house should be highly mobile. (3) Limit on the value of real estate mortgage loan: the amount of real estate mortgage loan is 70% of the appraised value of the house, and the loan period of real estate mortgage loan shall not exceed 30 years for new house loans and 20 years for second-hand houses.

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