Question 2: What does mortgage to buy a house have to pay insurance for? What is the insurance for foreigners to pay at least one year's endowment insurance and medical insurance in their city? Foreigners who don't pay insurance don't buy houses in their cities.
Question 3: How to calculate the insurance cost of housing loan? 10. The scope and rate of mortgaged insurance property are calculated as follows:
1. The insurer shall be liable for the losses and expenses of the insured property caused by the following reasons:
(1) Fire, explosion and water pipe explosion;
(2) Lightning strike, rainstorm, flood, typhoon, storm, tornado, snowstorm, hail disaster, freezing, debris flow, cliff collapse, sudden landslide and sudden ground collapse;
(3) falling objects in the air, and the collapse of external buildings and other fixed objects;
(4) When the above-mentioned disaster or accident occurs, reasonable and necessary rescue measures are taken to prevent its spread, resulting in losses to the insured property;
(5) Reasonable expenses for taking measures to rescue, protect and arrange the insured property in order to reduce losses.
2. The insurer shall not be liable for the loss of the insured property caused by the following reasons:
(1) War, military action or violence;
Palace 2 nuclear radiation or all kinds of pollution;
③ Earthquake and its secondary disasters;
④ Intentional behavior of the insured or his family members;
(5) The expenses incurred by the insured property due to internal reasons such as design errors, raw material defects, poor workmanship, natural wear and tear, losses caused by normal maintenance, etc.
3. Guarantee period: from the day after insurance 12 (generally from the check-in date) to the termination date agreed in the policy 12.
4. Calculation of property insurance premium: insurance premium = insured amount (i.e. purchase price) ×0.56%× insurance period.
Question 4: What kinds of house purchase insurance are there? The housing of urban residents began to be commercialized, so it is more and more important to insure housing insurance. If you buy a house with a loan, you can insure the housing insurance for urban residents, and cover the losses caused by fire, explosion, storm, rainstorm, flood, tornado and falling objects. The insurance period is from 0: 00 to 24 hours the day after the agreed repayment date. In terms of insurance rate and insurance amount, the insurance premium is calculated according to the annual insurance rate of 0. 1%. The insurance amount is determined according to the actual value of the house purchase contract. In addition, China's insurance companies currently provide housing insurance, such as housing mortgage guarantee insurance, house purchase loan term life insurance, etc. Because housing insurance is still in the primary stage, in some cities, mortgage guarantee insurance is in the stage of suspension, but as an insured, in order to find an umbrella for himself, you can still choose other mortgage housing insurance. After buying a house, you can also choose to insure the family property insurance of urban residents, and list the house and interior decoration property as special underwriting property, which can cover both universal insurance and long-term insurance. Then you can choose urban housing quota insurance. The insurance liabilities of this type of insurance are: first, fire and explosion; Second, insurance houses, collapses and cracks inside and outside walls caused by storms, rainstorms, thunder and lightning, floods, tsunamis and tornadoes; The third is the material losses caused by the necessary measures to prevent the spread of disasters and reduce insurance losses. The insurance period: the insured chooses, and the general insurance period is one year. The term of long-term insurance is five years, and all savings will be refunded after the insurance expires.
Question 5: How to calculate the insurance premium of house purchase loan and how much to pay the loan terms:
1, a citizen of China who has a fixed residence in China and a fixed residence in a local town and has full capacity for civil conduct, 18-65 years old;
2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;
3. Abide by laws and regulations, and have no illegal acts and bad credit records;
4. The purpose of the loan is clear, in line with state regulations, and relevant certificates can be provided;
5. Other conditions stipulated by the bank.
Question 6: How to calculate the mortgage insurance premium for buying a house? In home insurance, the insurance amount is calculated according to the house price, and the insurance period is the same as the loan period. Personal loan mortgage in home insurance is calculated according to the annual insurance premium of 0.8‰.
Question 7: What are the notarization fees and insurance standards for buying a house? 1, certificate of birth, survival and death, identity, experience, nationality, power of attorney, marital status of relatives, no criminal punishment or penalty, cost 10 yuan;
2. If the legacy support agreement is proved, the fee will be 10 ~ 50 yuan;
3. If the seal is proved to be true, the copy, abridged version and translation are consistent with the original, and the copy is consistent with the original, it will be charged to 5 yuan;
4. If there are no records to prove wills, bequests, property rights and searches, the fee will be 10 yuan;
5. Certification of legal person qualification, adoption, property division and product sampling inspection, and the fee is 10 ~ 30 yuan;
6. The certification fee for guarantee, articles of association, credit and other related documents is 50 ~ 200 yuan;
7. Registered certification trademark, charging 50 yuan; 8. Prove that labor insurance, pensions and children's subsidies are charged to 5 yuan; How much is the notarization fee for housing property rights?
9. Prove that the cost of bidding, auction and lottery is 100 ~ 150 yuan;
10, certifying the labor contract, charging 5 yuan;
1 1, drafting and revising the contract text, and the fee is 5 ~ 20 yuan;
12. If it proves that shares, houses are transferred, bought and sold, and land use rights are transferred with compensation, it will be charged at three thousandths of the face value of shares or house prices, but the minimum amount shall not be lower than 10 yuan;
13, collect the total amount of money to prove the inheritance and gift of property.
14. If the creditor's rights document is proved to be enforceable, it will be charged at 0.3% of the total debt; If the original creditor's rights document is notarized, it will be charged at 0. 1%, with a minimum charge of 10 yuan.
Question 8: How to calculate the mortgage insurance premium for buying a house? In home insurance, the insurance amount is calculated according to the house price, and the insurance period is the same as the loan period. Personal loan mortgage in home insurance is calculated according to the annual insurance premium of 0.8‰.
Question 9: What is housing loan insurance? Personal housing loan insurance includes original property insurance and loan repayment guarantee insurance, that is, the insured loses all or part of the ability to repay the loan due to accidental injury during the insurance period, resulting in failure or incomplete performance of the loan repayment responsibility for three consecutive months, and the insurer assumes all or part of the loan principal repayment responsibility.
Generally, the house purchased by the borrower is used as collateral. In order to ensure the security of collateral and reduce the loan risk, banks usually require borrowers to buy home insurance.
Types of individual housing loan insurance:
1, individual mortgage housing comprehensive insurance
Including the original property insurance and loan repayment guarantee insurance, that is, during the insurance period, the insured died or was disabled due to accidental injury, and lost all or part of the ability to repay the loan, resulting in failure or incomplete performance of the loan repayment responsibility for three consecutive months, and the insurer assumed all or part of the loan principal repayment responsibility.
2. Mortgage performance insurance.
The borrower mortgages the house to the bank and buys performance insurance at the same time. When the borrower fails to repay the loan within a certain period of time, the insurance company will pay off the remaining loan principal and interest, and the bank will transfer the mortgage right to the insurance company.
Question 10: What do you mean by the lawyer's fee and insurance fee for buying a new house? The insurance of house purchase loan is the insurance of collateral loss, which is mandatory.
If property losses occur during the replacement period, the insurance company will reduce it to repayment loans to repay it.
The insurance rates of banks and even insurance companies are different. It depends on the amount of the loan, the number of years and the situation of the mortgaged property.
Attorney's fee: 3‰ of the loan amount applied. If it is less than 100 yuan, it will be charged at 100 yuan; Housing provident fund loans, no lawyer fees; But if it is a portfolio loan, the commercial loan will be charged at 3‰.