Nowadays, many people choose loans regardless of whether they buy a new house or a second-hand house, because it can reduce the economic burden. So is there a mortgage service fee for second-hand houses? What materials should be prepared for second-hand housing mortgage? Next, Bian Xiao will introduce relevant contents to you. Let's have a look.

Is there a mortgage service fee for second-hand houses?

Second-hand houses have mortgage service fees, mainly including:

1. Housing survey fee: 90 yuan per certificate will be collected by the Housing Authority.

2. Housing appraisal fee: the appraisal price ×0.5%, which will be collected by the appraisal company. If no assessment report is needed, only the initial assessment fee 300 yuan will be charged.

3. Mortgage agency fee: the service fee charged directly by the mortgage company, the standard is the loan amount × (1% ~ 1.5%), and different mortgage companies implement different standards, usually 1% or 1.2% of the loan amount.

4. Loan insurance premium: loan amount × 1.2×0. 1%× loan period, which shall be collected by the insurance company. The longest term of second-hand housing mortgage loan is 20 years.

5. Notarial fee for loan contract: 300 yuan for each piece.

6. Notarial fee for sub-mortgage contract agreement: 300 yuan/piece.

7. Transaction entrustment notarization fee: 200 yuan per piece.

8. Intermediary fee for bank provident fund: Each case in 500 yuan will be charged by the corresponding bank.

What materials should be prepared for second-hand housing mortgage?

1, borrower's ID card.

2. The borrower's income certificate or occupation certificate.

3, the purchase of second-hand housing property certificate.

4. The house sales contract signed by the buyer and the seller, and the transfer account provided by the seller.

5. If the collateral needs to be evaluated, the collateral evaluation report issued by an evaluation institution recognized by the lender shall be provided.

6. The property right of the house purchased * * * A written authorization document that someone agrees to sell the house.

7. Borrower's household registration book.

8. Borrowers with spouses are required to provide proof of marriage.

9. If * * * is the same as the borrower, it is required to provide a written commitment signed by all parties of the borrower to clarify the repayment obligation.

10, other information required by the lender, etc.

Abstract: The above is the related content of second-hand housing mortgage service fee introduced by Bian Xiao, hoping to help some friends in need.

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