(2) If it is handled through an intermediary company, it is necessary to pay a part of the intermediary fee to the intermediary company. If an individual needs to use a guarantee company for guarantee because he cannot provide compliance guarantee, he must pay a certain percentage of guarantee fee to the guarantee company.
(3) The fees to be paid for personal housing provident fund loans mainly include guarantee fees, assessment fees, loan service fees and related taxes.
How is the handling fee for personal housing provident fund loans charged?
1. Guarantee fee: When applying for housing provident fund loan, the loan applicant must provide the guarantee method approved by the management center. At present, it mainly provides joint liability guarantee and other guarantee methods (mortgage guarantee, pledge guarantee, etc.). ) is Beijing Housing Loan Guarantee Center. If the guarantee is provided by the guarantee center, a part of the guarantee service fee shall be paid to the guarantee center.
2. Agency fee: The charging standard is 300 yuan. Please consult your loan handling institution for details.
3. Appraisal fee: the charging standard is 300 yuan, in which the loan amount of second-hand houses before 1990 (inclusive) exceeds 30% of the total house price, and the loan amount of second-hand houses after 1990 exceeds 50% of the total house price, so the institution needs to appoint an appraisal company to conduct house appraisal.
4 for housing provident fund mortgage registration, you can charge the mortgage applicant a handling fee.
How much does it cost to cancel the four expenses of provident fund loans?
The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China jointly issued a document recently, canceling some charging items such as housing provident fund, personal housing loan insurance, notarization, new house evaluation and compulsory agency guarantee, so as to reduce the burden on loan workers.
According to the new policy, the insurance, notarization, new house evaluation, compulsory agency guarantee and other charging items of housing provident fund personal housing loans will be cancelled. These intermediate costs generally account for three thousandths to four thousandths of the total amount of provident fund loans, with a maximum of eight thousandths. Assuming that employees apply for provident fund loans of 6,543,800 yuan, if the four fees are cancelled, it means that the maximum savings can be 8,000 yuan.
According to the above knowledge, the housing provident fund management center does not charge any fees for handling housing provident fund loan procedures for individuals. The loan fee that the borrower needs to pay is the working fee and related management fee charged by the real estate department and the appraisal agency when handling the real estate mortgage registration.
Procedures for handling provident fund loans
1. Consultation of loan applicants.
The loan applicant goes to the loan handling department or calls the loan handling department to consult the housing provident fund loan, and prepares the relevant materials for the housing provident fund loan.
2 loan applicants to the loan handling department for preliminary examination and related assessment.
(1) The loan applicant shall submit the materials required for applying for housing provident fund loans to the loan handling department for the preliminary examination of provident fund loans.
(2) If it is necessary to conduct personal credit evaluation on the loan applicant according to the regulations, the loan applicant shall sign the Letter of Authorization for Credit Evaluation under the supervision of the staff of the loan handling department.
(3) The staff of the loan processing department prints relevant documents and tells the loan applicant how to go through the next procedure.
(4) If it is necessary to evaluate the house purchased by the loan applicant according to the regulations, the staff of the loan handling department will also issue a notice of mortgage evaluation to the loan applicant, and the loan applicant or entrusted agent will apply for mortgage evaluation at the evaluation institution designated by the Beijing Housing Provident Fund Management Center.
3. The loan applicant is waiting for the call.
(1) The staff of the loan handling department will review the loan materials provided by the loan applicant and the evaluation results of relevant institutions. If it is necessary to communicate with the loan applicant by telephone, the staff will verify and confirm with the loan applicant by telephone through the contact information provided by the loan applicant.
(2) If the loan applicant chooses the guarantee center, after the guarantee is approved, the staff of the guarantee center will inform the loan applicant of the time to sign the loan-related contract.
The information to be carried and the guarantee service fee to be paid; If the guarantee method chosen by the loan applicant is non-guarantee center guarantee, after completing the relevant procedures according to different guarantee methods, the staff of the loan handling department will inform the loan applicant of the time and required materials for signing the loan-related contract.
4. The loan applicant signs relevant contracts.
(1) According to the interview time notified by telephone, the loan applicant will go to the loan handling department to sign the contract with the materials needed for the housing provident fund loan interview. For loan applicants who need to pay assessment fees and guarantee fees, they should first pay at the designated counter and receive invoices.
(2) The loan applicant, the co-applicant, the mortgagor and the pledger complete the signing procedures of the loan contract and other relevant contract documents under the guidance of the staff of the loan handling department.
5. Bank loans.
After the bank lends money, the loan applicant goes to the bank to collect the relevant contract documents of the borrower.
6. Repay on a monthly basis.
The loan applicant shall repay the loan on a monthly basis in accordance with the provisions of the loan contract.
legal ground
Regulations on the administration of housing provident fund
Twelfth housing provident fund management committee shall, in accordance with the relevant provisions of the People's Bank of China, designate a commercial bank entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted bank); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the procedures for the establishment, deposit and return of housing provident fund accounts.
The housing provident fund management center shall sign an entrustment contract with the entrusted bank.