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How to calculate the service fee of provident fund mortgage?
1. How to calculate the provident fund mortgage service fee?

Guarantee fee: 100 yuan/household.

Guarantee service fee: provident fund loans (including portfolio) are charged at 3‰ of the loan amount.

Advance notice registration fee: 80 yuan/household.

Pre-registration of mortgage: handling fee in 50 yuan/household registration fee in 80 yuan/household.

Intermediary service fee, 1%.

Second, the loan service fee collection standard

Legal analysis: the loan service fee is the fee incurred when handling procedures for some customers with loan needs. When handling the second-hand housing mortgage, customers have to deal with the personnel of banks, lawyers and evaluation agencies, but if they are represented by intermediary companies, they will avoid running around by themselves. To put it bluntly, the loan service fee is "running errands". Loan service fee refers to the fee charged when handling loan business, which is generally charged by banks, and the charging standard depends on local conditions. For example, real estate, real estate brokerage fees are charged according to different projects. The agency fee for house sales is charged at 0.5%-2.5% of the total transaction price. For the sole agent, the charging standard may be appropriately increased after consultation between the entrusting party and the real estate intermediary agency, but the maximum is not more than 3% of the transaction price.

Legal basis: People's Republic of China (PRC) Commercial Bank Law.

Article 6 Commercial banks should protect the legitimate rights and interests of depositors, and no unit or individual may infringe upon them.

Article 7 Commercial banks should strictly examine the credit standing of borrowers when conducting credit business, so as to ensure the timely recovery of loans. Commercial banks recover the due principal and interest of loans from borrowers according to law, which is protected by law.

Article 8 Commercial banks shall abide by the relevant provisions of laws and administrative regulations when conducting business, and shall not harm the interests of the state and society.

Article 9 Commercial banks shall follow the principle of fair competition in their business and shall not engage in unfair competition.

Third, it is necessary to charge more service fees to talk to bank personnel about loans.

Our industry regulations charge 0.5% of the assessment amount.

There is a cooperative relationship with CCB. It seems that the amount below 6.5438+0 million is 2,000 yuan.

You still have to consult your bank. Banking standards vary from place to place.

Four, the loan service fee collection standard

The loan service fee refers to the fee charged when handling the loan business. When applying for a loan in a bank, the service fee is charged by the bank, but it does not belong to the bank. In addition to banks, the fees and standards charged by lending institutions also depend on local conditions.

Taking real estate as an example, according to different agency projects, the real estate brokerage fees charged are also different. The agency fee for house sales is charged at 0.5%-2.5% of the total transaction price.

For the sole agent, the charging standard may be appropriately increased after consultation between the entrusting party and the real estate intermediary agency, but the maximum is not more than 3% of the transaction price.

Some intermediary companies will use "bank charges" as an excuse. In fact, banks will not charge loan service fees.