The handling fees involved in housing mortgage loan mainly include appraisal fee, lawyer's fee, insurance fee, mortgage registration fee and notarization fee.

The handling fees involved in housing mortgage loan mainly include appraisal fee, lawyer's fee, insurance fee, mortgage registration fee and notarization fee. 1. Appraisal fee: Generally speaking, the mortgage loan with a house needs to be appraised first, and the lending institution will determine the loan amount according to the price assessed by the professional appraisal company. And looking for an evaluation company to evaluate the value of individual housing generally requires an evaluation fee of several hundred yuan. 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, real estate insurance and personal insurance must be purchased. Life insurance depends on age and loan amount. 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) is charged by the mortgage registration department (ownership department of housing and land management departments in all districts and counties). 5. Notarization fee: Generally, the mortgage loan with a house is the house you have lived in, which belongs to the second-hand house. The second-hand house needs notarization, and the notarization fee is generally around one or two hundred yuan.

Second, how to charge for a loan to buy a house to find a guarantee company?

Every company has different standards. You can call or go to the website for details.

I want to get a mortgage loan of 200,000 yuan. In which bank is the handling fee cheaper? How much will it cost?

There is no handling fee for going directly to the bank. You can call the bank directly for consultation. Banks have different requirements for borrowers. Ask clearly, just prepare the information according to the requirements of the bank. If you want to guarantee the company to handle it for you, you have to pay part of the handling fee. If you are in Beijing, it is reasonable to find Wancai United Guarantee Company.

4. How much does it cost to find a guarantee company for mortgage loan?

About 1%-3% of the loan amount.

Process of handling mortgage to buy a house loan:

1, select real estate;

2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;

3. Apply for mortgage loan;

4. Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;

5. Property buyers can sign pre-sale and sales contracts with developers or their agents;

6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

7. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;

8. Open a special repayment account;

9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;

10. The borrower repays the loan regularly according to the contract.