How much is the mortgage loan evaluation fee for real estate license?
Judging from the current situation, the fees charged by various assessment agencies are different. The general appraisal fee is one thousandth to five thousandths of the real estate appraisal, which varies according to the location and age of the house. In addition, the evaluation cost of mortgage loan is also related to the distance between the collateral and the agency. In general, the farther the distance, the higher the value of collateral and the higher the evaluation fee.
Take Beijing as an example: at present, the charging standard of intermediary agencies in Beijing is: 0.42% of the total appraisal price is charged if the total house price is below 6.5438+0 million yuan (including 6.5438+0 million yuan), and the progressive charging rate of 6.5438+0 million yuan to 5 million yuan (including 5 million yuan) is 0.3%, 5 million yuan to 20 million yuan. 0.06% of the total evaluation price is charged from 20 million yuan to 50 million yuan (including 50 million yuan), and 0.0/kloc-0.2% of the total evaluation price is charged for more than 50 million yuan.
Key points of loan investigation?
(1) Basic information of the borrower. Generally speaking, the basic information of the borrower is mainly the identity information, marital status, residential address, employment status, education and so on. , mainly to see if it is true. If false information is found, the bank may reject the borrower's application. Therefore, the information proposed by Bian Xiao must be true and reliable.
(2) Credit status and family status. Credit records are generally queried on the credit information system, mainly to see how the borrower's credit status is, such as whether there are overdue records, overdue loan records, or whether the credit card is overdue. If there are too many overdue records, the bank will be classified as a bad credit, and the application for unsecured loans may be rejected, but it is understandable to be overdue once or twice, but the application amount will certainly not be high. Family members survey, the borrower's spouse identity information survey, etc.
(3) Income and liabilities. If the borrower currently has other loan projects, accounting for 50% of household expenditure, then the loan may be hopeless. Because the borrower should ensure that every customer who applies for a loan has sufficient repayment ability, if the debt is too high, it will be difficult for the borrower to repay, and loans overdue may not be able to repay. Therefore, banks will not take this risk.
(4) the purpose of the loan. As long as the borrower uses the loan legally, there will be no problem. If it is a mortgage loan, the purpose is clear. If it is found to be used for other consumption, it will be possible to recover the loan.
(5) the source of repayment. If the repayment source is a formal channel, the loan will be easier to review, which is generally related to the borrower's professional identity investigation.
From the introduction of this article, we already know how much the mortgage evaluation fee is. The article tells you that the fees charged by various appraisal agencies are different from the current situation. The general appraisal fee is one thousandth to five thousandths of the market value of the house, so it should be calculated with reference to this ratio. The article also tells you what the main points of the loan investigation are.