It's hard to say, first of all, it depends on the loan period of the lender. After a long time, the time gain is big, and the commission will naturally increase. If banks make short-term loans, there is no profit at all. In this case, it is estimated that the commission you get will be very limited.

Secondly, for a sum of money, such as your loan of 200,000 yuan, the bank only earns the deposit-loan spread, which is 5.58%-2.52%=3.06% a year, and 1 1% of the deposits absorbed by the bank should be deposited in the central bank as the statutory deposit reserve. As the simplest mortgage loan, the actual bank's income on funds is less than 3 percentage points.