Appraisal fee: CCB stipulates that the appraisal fee is not required for individual housing loans for newly-built commercial housing, but for applicants who use provident fund loans. General housing and houses sold according to the housing reform policy do not need to pay assessment fees. Need to assess, according to the 500 yuan charge. The appraisal fees for commercial housing with provident fund loans are: less than 200,000 yuan10.5 million yuan, 200,000-500,000 yuan, and more than 500,000 yuan and 3,500 yuan. Appraisal fee of affordable housing in 500 yuan. ICBC requires that ordinary commercial housing and affordable housing should be identified according to their sales prices, but second-hand housing, high-grade apartments and villas should be evaluated instead of being evaluated. Agricultural Bank of China second-hand housing evaluation fee is charged at 4‰. ?
Lawyer's fees: Except pledge, the application for commercial loans must be reviewed by lawyers, and legal opinions will be issued by law firms. The law firm charges the borrower a one-time legal service fee of 3‰ of the loan amount applied for, and the minimum amount for each order is 100 yuan; There is no need to pay lawyer's fees for handling provident fund loans; If it is a portfolio loan, the provident fund part will not be collected, and the commercial loan part will be collected.
Insurance premium: in the provident fund personal housing loan, if mortgage guarantee and comprehensive housing insurance are adopted, housing property insurance and personal insurance must be purchased. Life insurance depends on age and loan amount, and house property insurance premium = insurance amount ×0.8‰ (reinforced concrete structure) × insurance period. In commercial loans and portfolio loans, those who apply for loans by mortgage need to purchase property insurance.
Mortgage registration fee: mortgage registration fee of 0.30 yuan per square meter (construction area) is charged by the mortgage registration department (ownership department of housing and land management departments in all districts and counties).
Notarization fee: Second-hand housing loans need to be notarized, and each piece is about 200 yuan. ? Note: Due to different specific circumstances, the expenses involved in handling individual housing loans are also different, and there are certain differences in different regions.