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.
# Yes, this fee is charged by the intermediary. This loan guarantee service fee is charged on behalf of the bank. Because you need a loan, then you need to pay taxes. If you must apply for a loan, then this fee must be paid; It seems that since 2009, this fee has only been charged at the rate of three thousandths. . . I wonder if there is any change recently # This fee is charged by intermediary companies and mortgage companies. There is no refund at all. Forget it. Although it is not a formal tax collected by housing management and banks, this part of the money service is done by intermediary companies and mortgage companies, so there is no way to collect money after the service. It's like adding a service charge to a hotel. # Guarantee fee is an expense in the process of second-hand housing transaction. There is no charging standard in the industry, and the specific operation is only for people. 1. Mortgage guarantee fee means that in order to avoid mortgage risks, banks generally need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity. 2. If you can find friends or relatives who are willing to provide you with guarantees and have financial strength, you can issue written documents and credit certificates for the bank. If you can't, you need to go to a professional guarantee company, and they will provide you with a guarantee and pay the fees at this time. 3. Be sure to consult all the fees and standards before the second-hand housing transaction, and the subsequent disputes will be decided according to the purchase contract. # Yes, the provident fund loan has a designated guarantee company, that is, the housing home purchase guarantee company. This book is due to the administrative system. Because the provident fund management center is a public institution, it cannot operate in the market. Therefore, the establishment of housing property rights guarantee companies, market-oriented operation, so your provident fund loan contract is a tripartite subject. Of course, they are actually a family. Besides the guarantee fee, there seems to be an evaluation fee or something. The original guarantee fee or insurance premium of 30 15 is less than 3000! I don't know how many of you are. If it is too much, compare it with others. Intermediaries can also find more. # Second-hand housing transaction loans need to find a guarantee company regardless of whether they are through intermediary transactions, otherwise the bank cannot lend money. Under normal circumstances, the guarantee fee for commercial loans is 65438+ 0% of the loan amount, and the guarantee fee for provident fund loans is 2% of the loan amount. Because in the second-hand housing transaction, there is a time lag before the buyer mortgages the property to the bank when the property is transferred. If there is a phased guarantee, the bank can lend money. Because the seller has transferred the property, he definitely wants to get the money as soon as possible. If he doesn't guarantee, he will have to wait for the buyer to mortgage the property before he can complete the process and lend money. Choosing to operate independently can avoid the guarantee procedures for applying for public loans in accordance with the Regulations on the Administration of Housing Provident Funds. This has also become the basis for many intermediaries to deceive people. In fact, this guarantee is only a phased need for handling public loans. After the buyer mortgaged the property to the bank, it was no longer needed. For property buyers, choosing to do it yourself can avoid this cost. Although the whole process needs our own efforts, self-management can be guaranteed by providing national debt and bank deposits, and there is no need to entrust an intermediary to handle it. This can avoid the second-hand housing guarantee fee, which is both compliant and economical. # If you apply for a personal commercial loan for a second-hand house in the bank, the bank will let you find a guarantee company as a guarantee. Banks are worried that after the transfer, they will not take the initiative to take the real estate license as collateral, which will affect the loan. So we still need a guarantee company. If the bank has no acquaintances and wants to borrow money to buy a house, it needs to pay a handling fee. No matter whether the bank runs directly or not, the evaluation fee will be generated. When banks handle housing loans, usually only the short-listed institutions (commonly known as "guarantee companies") can recommend business. Some intermediary companies are not shortlisted, so they have to entrust a third party to handle it, and naturally they need to pay a handling fee. However, some intermediaries were shortlisted, and others also paid the cost, paid the deposit in the bank, or agreed to other requirements of the bank, such as pulling deposits and buying funds, so the shortlisted intermediaries will also charge loan fees. In June this year, the National Development and Reform Commission and the Ministry of Housing and Urban-Rural Development jointly issued the Notice on Liberalizing Real Estate Consulting Fees and Decentralizing the Management Authority of Real Estate Brokers' Fees. The pricing power of real estate commission fees was delegated to all localities, and the restrictions on commission fees were abolished in many places to implement market pricing. That is to say, the price is freely determined by the client and the institution through consultation, which is usually 0.5-3% of the loan amount of 65438+ in Chongqing. # The third party plays a guarantee role, requiring the third house to have sufficient economic capacity. If the lender's loan cannot be repaid, the third party shall be jointly and severally liable and need to assist the lender to repay # 1. When applying for second-hand housing loans, some property buyers will find a guarantee company to handle this business, because it can prevent transaction risks. 2. Generally speaking, in the second-hand housing transaction, the seller must first transfer the house to the buyer's name, and then the buyer will bring the real estate license and land certificate to the real estate registration department for mortgage registration of bank loans, and then the bank will lend money. In this process, if the bank does not lend money or the buyer's bank loan is not approved, the seller may not be able to get the remaining house payment smoothly. However, if a formal guarantee company provides guarantee, these risks will be borne by the guarantee company, which greatly reduces the risk of second-hand housing transactions. 3. It is understood that there is no uniform standard for the second-hand housing loan guarantee fee at present, which is set by the guarantee company itself. See the agreement for the specific fee. In other words, different guarantee companies selected by customers have different specific guarantee fees. 4. It should be reminded that you must find a qualified guarantee company to guarantee the second-hand housing loan. # At present, the guarantee company has not introduced the charging standard. It is recommended to consult the bank.
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!