The guarantee fee is paid to the provident fund guarantee center, which is directly affiliated to the provident fund management center, because the bank loan directly faces the provident fund management center, and then the provident fund guarantee center will give you money for personal guarantee. Therefore, the provident fund guarantee center is responsible and risky, and the charges are inevitable.

The charging standard of the guarantee fee is to charge the guarantee fee for the provident fund loan guaranteed by the guarantee center, and the guarantee fee is 3‰ of the loan amount of the provident fund. According to this standard, if it is less than 300 yuan, it will be charged by 300 yuan.

Therefore, buying a house with a provident fund loan requires a guarantee fee.

Source: Beijing Housing Provident Fund Network