Nowadays, many people can buy their own houses by applying for loans by mortgaging their real estate certificates from banks. Residents who choose to buy a house are confused when applying for a real estate mortgage loan. , all require the person to go to the housing authority to register the mortgage, and it is more busy when registering the mortgage. Today, let’s first understand what the house pre-mortgage fee is. Do I have to pay the house pre-mortgage fee?

What is a house pre-mortgage fee?

1. According to regulations, if you are buying an off-plan house, then there will be a house mortgage registration fee during the entire house purchase process. There are two places: one is after the home buyer signs the pre-sale contract for the commercial house, when applying for a house mortgage, he and the lending bank *** apply for advance registration of the mortgage rights of the pre-purchased commercial house. The handling fee must be paid when handling this. It’s called the house pre-mortgage registration fee.

2. The fee incurred is a mortgage notice registration fee of 80 yuan/unit (non-residential fee is 550 yuan/unit); the second point is that after the commercial housing is completed and delivered, the buyer It is necessary to apply for house mortgage registration together with the lending bank. At this time, a registration fee of 80 yuan/case (550 yuan/case for non-residential properties) will be incurred.

3. The registration fee is collected from the applicant. The mortgage of house rights shall be charged to the house right holder, and the registration fee for pre-mortgage registration of commercial housing shall be paid by the mortgagee.

Is it necessary to pay the pre-mortgage fee for a house?

1. In 2011, the National Development and Reform Commission issued the "Notice on Reducing the Charging Standards of Some Construction Projects, Standardizing Charging Behavior and Other Related Issues" and decided Starting from May 1, charging standards and behaviors such as housing transaction fees, construction drawing design review fees, environmental impact assessment fees in some industries, and bidding agency service fees will be reduced and standardized.

2. The notice clearly states that the cancellation and reduction of housing transaction fees include: housing mortgage fees; transfer fees for housing transfers due to inheritance, legacy, marital ownership, etc.; transfer fees are exempted; The leasing of affordable housing such as low-rent housing and public rental housing is exempted from leasing fees; limited-price commercial housing is charged at half the current charging standards, and the same charging standards as affordable housing are implemented.

3. In other words, there are clear documents for the collection of housing and mortgage registration fees, and there is a system that stipulates that expenditures should be reduced or cancelled. The specific implementation must be based on the standards of the local government.