The handling fees involved in housing mortgage loan mainly include: appraisal fee, lawyer's fee, insurance fee, mortgage registration fee and notarization fee.
1, evaluation fee:
Generally speaking, a mortgage loan with a house needs to be evaluated first, and the lending institution will determine the loan amount according to the price evaluated by a professional appraisal company. Looking for an evaluation company to evaluate the value of an individual house generally requires an evaluation fee of several hundred yuan.
2. Attorney's fees:
In addition to the pledge method, the application for commercial loans must be reviewed by lawyers, and legal opinions issued by law firms. The law firm charges the borrower a one-time legal service fee of 3‰ of the loan amount, 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.
3. 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, if you apply for loans through mortgage, you need to buy property insurance.
4. Mortgage registration fee:
For loans that need mortgage registration, the mortgage registration department (the ownership department of housing and land management departments in all districts and counties) will charge a mortgage registration fee of 0.30 yuan per square meter (construction area).
5. Notary fees:
A mortgage loan with a house is generally a house that you have lived in, which belongs to a second-hand house. The second-hand house needs notarization, and the notarization fee is generally around one or two hundred yuan.