The Housing Provident Fund Management Center handles housing provident fund loan procedures for individuals without charging any fees. The loan fees that borrowers need to pay are mainly the cost of production and related management fees charged by the real estate department and appraisal agency in accordance with regulations when handling real estate mortgage registration.

If it is handled through an intermediary company, a certain intermediary fee needs to be paid to the intermediary company.

If an individual cannot provide a compliant guarantee and needs to use a guarantee company for guarantee, he must pay a certain proportion of the guarantee fee to the guarantee company.

The fees paid for personal housing provident fund loans mainly include evaluation fees, guarantee fees, loan service fees and related taxes.

How is the personal housing provident fund loan handling fee charged?

Guarantee fee: calculated based on the loan amount and loan period

Agency fee: The charging standard is 300 Yuan, please consult your loan application institution for details.

Appraisal fee: The charging standard is 300 yuan [The loan amount for second-hand houses before 1990 (including 1990) exceeds 30 yuan of the total price of the house, and the second-hand house loan amount after 1990 exceeds 50 yuan of the total price of the house, it needs to be approved by The handling agency appoints an appraisal company to conduct the house appraisal.

When registering a housing provident fund mortgage, a handling fee of 2‰ can be charged to those applying for a mortgage.