Friends in Shanghai will often encounter the situation that they are in urgent need of funds. Generally, a small amount of money can be turned around through friends around you. If the required amount is large, you may need to consider applying for a mortgage loan to obtain more funds. But do you know that there are other extra costs besides the expected annualized interest rate when applying for a mortgage loan?

It is understood that the additional costs of housing mortgage loans mainly include assessment fees, loan service fees and mortgage fees. Then let's take a closer look.

(1) Evaluation fee

Generally speaking, the appraisal fee of housing mortgage loan is 3% of the appraisal price. The link of house appraisal is generally carried out by the appraisal firm designated by the bank.

(2) Loan service fee

The loan service fee for housing mortgage loan is 3,500 yuan. If the loan amount exceeds 200,000 yuan, 2% of the excess will be charged.

(3) Mortgage cost

Housing mortgage loans also need mortgage fees, mortgage fees 200 yuan.

Reminder: In real estate appraisal, the appraisal firm is generally designated by the bank. In order to control risks, the appraisal price made by appraisal is generally lower than the market price (generally lower than the market price of real estate 10%-20%). In this way, it is possible that the evaluation value is too low to reach the loan quota. However, there is basically no phenomenon of deliberately depressing the asset appraisal value. The additional cost of housing mortgage loan may be slightly different in different regions.