① Evaluation fee: If CCB stipulates that individual housing loans for newly-built commercial houses do not need to pay the evaluation fee, but applicants who use provident fund loans need to pay the evaluation fee. General housing and houses sold according to the housing reform policy do not need to pay assessment fees. Need to assess, according to the 500 yuan charge. The appraisal fees for commercial housing with provident fund loans are: less than 200,000 yuan/kloc-0.5 million yuan, 200,000-500,000 yuan, more than 500,000 yuan and 3,500 yuan, and the appraisal fee for affordable housing is 500 yuan. ICBC requires that ordinary commercial housing and affordable housing should be identified according to their sales prices, but not evaluated. Second-hand houses, high-grade apartments and villas should be evaluated. Agricultural Bank of China second-hand housing evaluation fee is charged at 4‰.

(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. The law firm charges the borrower a one-time legal service fee of 3‰ of the loan amount applied for, and the minimum amount for each order is 100 yuan; There is no need to pay lawyer's fees for handling provident fund loans; If it is a portfolio loan, the provident fund part will not be collected, and the commercial loan part will be collected.

(3) Insurance premium: In the provident fund personal housing loan, if mortgage guarantee and comprehensive housing insurance are adopted, housing property insurance and personal insurance must be purchased. Life insurance depends on age and loan amount, and house property insurance premium = insurance amount ×0.8‰ (reinforced concrete structure) × insurance period. In commercial loans and portfolio loans, those who apply for loans by mortgage need to purchase property insurance.

(4) Mortgage registration fee: mortgage registration fee of 0.30 yuan per square meter (construction area) will be charged by the mortgage registration department (ownership department of housing and land management departments in all districts and counties).

⑤ Notarization fee: Second-hand housing loans need to be notarized, and each piece is about 200 yuan.

Note: Due to different specific circumstances, the expenses involved in handling individual housing loans are also different, and there are certain differences in different regions.