Under normal circumstances, the common guarantee methods in the guarantee fee include joint and several liability guarantee and mortgage guarantee of the housing loan guarantee center. Among them, the guarantee service fee provided by the guarantee center is charged according to a certain charging standard, and certain concessions can be given according to the registration of personal credit evaluation. Sometimes the guarantee fee also includes the house evaluation fee in the process of buying and decorating. At present, new houses are basically exempt from assessment, and second-hand houses need to assess the value of collateral. The appraisal fee needs to be charged according to a certain proportion of the total value of the house appraisal, which is also one of the components of the guarantee fee.

2. Second-hand housing guarantee fee collection standard

The reason for the guarantee fee is that the bank has not handled personal second-hand housing loans before, and some businesses need to be carried out through intermediaries, so it is natural to charge a certain fee. At present, the state only has a clear intermediary fee standard for second-hand houses, and there is no specific fee standard for guarantee fees. This is the result of negotiation between the intermediary company and the customer, which is regarded as public charges. If both parties agree in advance, the buyer can voluntarily pay the guarantee fee within the price adjustment range. The guarantee fee is generally not high, mainly 0%-3% of the 65438+ mortgage, in case the buyer runs away or the property is seized. However, it should be noted that as long as there is no provision in the entrustment agreement, the buyer can completely refuse to pay the guarantee fee, whether it is to pay the guarantee company or the intermediary company. However, if the intermediary terminates the operation of handling the real estate license because the buyer refuses to pay the guarantee fee, it may claim compensation for the losses caused to the buyer from the intermediary according to law.

3. How to collect the second-hand housing guarantee fee?

As an intermediary fee, there are various ways to collect the guarantee fee, which can be 1% for both parties of second-hand housing transfer, but at present, the intermediary fee in the real estate market is basically paid by the buyer. However, some guarantee companies charge guarantee fees according to different situations, mostly according to the percentage of the mortgage amount, and there may be some differences in the second-hand housing guarantee fees in different cities.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.