Buying a second-hand house by mortgage loan will involve evaluation fee, mortgage registration fee, contract notarization fee, guarantee service fee and so on. Then, how to calculate the second-hand housing loan evaluation fee? How to transfer the mortgaged second-hand house? Let's take a look with Bian Xiao.

First, how to calculate the appraisal fee for second-hand housing loans?

1. If the house price is less than one million, including one million, it will be charged at 0.42% of the total appraisal price. From one million to five million, including five million, the progressive billing rate is 0.3%.

0. 12% of the total evaluation price will be charged from 25 million to 20 million. 20 million to 50 million, including 50 million, accounting for 0.06% of the total appraisal price. 0.0 12% of the total evaluation price will be charged if it exceeds 50 million yuan.

Second, how to transfer the mortgaged second-hand house

1. There are two ways to mortgage second-hand houses. The first is that the buyer pays off the loan in one lump sum and terminates the loan contract. Then go through the mortgage cancellation procedures, so that there are no other rights obstacles in the house. Finally, the second-hand housing owners and buyers handle the transfer procedures. However, there are certain risks in this way, and buyers need to be cautious.

2. Another way is to refinance the mortgage loan to buy a second-hand house, that is, the property buyers can apply to the bank for mortgage to buy a house, so that they can refinance the mortgage to the seller's original mortgage bank or other banks. After the two parties sign the contract, the buyers submit relevant materials to the bank and apply for remortgage. Finally, both parties go through the formalities of loan repayment and transfer.

3. Both parties and the authorized person of * * * fill in the application approval form, and then the buyer and the seller sign the creditor's rights transfer agreement. The buyer needs to have full capacity for civil conduct, proof of income, legal identity card, and repayment ability and willingness. The monthly income needs to be three times that of the monthly payment.

Editor's summary: how to calculate the evaluation fee for second-hand housing loans? How to transfer the second-hand house with mortgage? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.

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