For those who buy a house by mortgage, of course, they can avoid economic risks by applying for mortgage in home insurance. In order to help my son mortgage to buy a house and reduce financial losses, it is necessary to apply for personal mortgage loan at home in advance.
How to calculate the cost of personal mortgage loans in home insurance?
The calculation standard of personal mortgage housing insurance premium varies according to the mortgage situation, the insurance amount is determined according to the loan amount, and the insurance premium is determined according to the loan period.
The calculation method of insurance premium is as follows:
Insurance premium = loan amount ÷ 10000× insurance premium per 10,000 yuan corresponding to loan term.
If you apply for a 25-year personal housing commercial loan of 300,000 yuan, then the premium you pay is:
(30000010000) ×130.80 = 3924 yuan.
After the occurrence of an insured accident, the insurer shall calculate the amount of compensation according to the following provisions:
1. Total loss: When the insured amount is equal to or higher than the insured value, the compensation amount shall not exceed the insured value; For whatever reason, if the insured amount is lower than the insured value, compensation shall be made according to the insured amount.
2. Partial loss: when the insured amount is equal to or higher than the insured value, the compensation amount shall be calculated according to the actual loss; For whatever reason, if the insured amount is lower than the insured value, the compensation amount shall be calculated according to the ratio of the insured amount to the insured value.
After part of the losses are compensated by the insurer, the effective insurance amount of the current insurance year should be reduced accordingly, and the effective insurance amount is the balance of the original insurance amount MINUS the compensation amount. If the insured requests to restore the original insurance amount of the current year, he shall pay the corresponding insurance premium and the insurer shall issue an endorsement. Will automatically return to the original insurance amount until the next insurance year.
And if you want to improve the protection of your family after mortgage to buy a house, you can come to Hui Ze. Buy family property insurance. Pay attention to the following points before insurance:
1. The insured has an insurable interest relationship with the subject matter insured. If most of the family property changes, you must go to the insurance company to change the content of the policy.
2. Not all family property can be insured by ordinary family property insurance. Property with uncertain specific value (such as calligraphy and painting, antiques) and daily necessities cannot be covered by ordinary family property insurance.
3. Don't over-insure. Insurance companies follow the principle of compensation when making compensation, and insurance companies will not compensate for the over-insured part. Don't over-insure and double-insure. The best insurance method is original value insurance.
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How to calculate the premium of mortgage insurance
The insurance premium is calculated according to the actual loan life, 20 years 1280 yuan, that is, the actual service life of the loan is about 4 years in 64 yuan every year, and the theoretical refundable insurance premium is about 1000 yuan, depending on how the insurance company calculates it, regardless of the delay time.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.
How much is the insurance for the mortgage?
At present, the loan insurance premium is generally charged in proportion to the loan amount. The specific calculation formula is: loan insurance premium = insurance amount × insurance period × annual insurance rate, in which the insurance amount is generally required to be greater than or equal to the loan amount.
According to the requirements of various insurance companies, buyers can enjoy the corresponding preferential treatment according to the mortgage period, and the preferential treatment given by different banks is different.
However, mortgage customers who enjoy preferential loans can't get the mortgage insurance premium after paying off the loan in advance, because the policy of such customers indicates that "preferential money will not be refunded", so we must make clear the situation when buying mortgage insurance.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.
What fees do I need to pay for the mortgage? What is the loan process?
Buying a house by loan is nothing new now, but some people still don't know the answer to the question of what fees need to be paid for the loan. Especially when it comes to intermediaries, they always charge a lot of fees for various reasons, which makes it easy for people to spend money in vain, so hurry to find out what fees are needed for handling second-hand housing loans.
1, mortgage registration fee
The mortgage registration fee is the fee you have to pay when you go to the real estate registration department to go through the mortgage formalities. There are different charging standards for this fee, mainly depending on the specific regulations in your area. Taking Beijing as an example, the total handling fee for house mortgage and other rights certificates is 160 yuan.
2. Assessment fee
Second-hand houses are affected by many factors, such as service life, traffic conditions, geographical location, lighting and ventilation. Therefore, professional evaluation is needed to determine the value of the house before the sale, and the evaluation fee is the service fee charged by the evaluation agency. Buying a second-hand house is generally evaluated by an intermediary or an evaluation agency designated by a bank, and the cost will be different, generally ranging from 0. 1% to 0.5% of the evaluation price.
3. Guarantee fee
Sometimes, in order to avoid the risk of mortgage, the bank will ask you to provide a guarantee certificate from an institution or individual with sufficient economic ability. At this time, you need to find a professional guarantee institution, let them guarantee for you, and then you pay them some service fees. The service fee here is the guarantee fee. As for the specific amount of guarantee fee, it can be decided through consultation with the guarantee company.
4. Housing insurance premium
Insurance premium is also one of the expenses to be paid for mortgage, in order to protect the house from fire, public security and other accidents. The charging standard is loan amount ×0.05%× loan period, but this fee is paid voluntarily, and you can choose to pay it or not.
After understanding the cost of buying a house with a loan, you also need to understand the process of buying a house with a loan, as follows:
1. You need to bring your ID card, household registration book, marriage certificate, real estate license and other materials to the bank to apply for a loan;
2. The bank will appoint an evaluation agency to evaluate the property, and you need to pay the evaluation fee;
3. The law firm designated by the bank issues a legal opinion, agrees to issue the loan, and gives you a loan commitment letter;
4. You sign a mortgage contract with the bank and notarize it;
5. You go to the real estate registration department for mortgage registration and pay the mortgage registration fee and insurance premium;
6. The bank will release the loan to your designated account within the specified time limit, and you only need to repay it on time.
Now, do you know how to apply for a loan and what fees to pay for buying and selling second-hand houses?
(The above answers were published on 20 16-06-23. Please refer to the actual situation for the current purchase policy. )
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