The agency fee of mortgage loan is calculated according to the percentage of the loan amount, generally ranging from 3% to 9% (some lending institutions also call it points, such as three points). As for the specific points, it depends on who applies for mortgage loans, loan amount, years and so on. There are many factors that affect agency fees. There is also a charging method of mortgage intermediary, which charges a fixed loan fee according to different loan products, generally ranging from 1000 to 5000.

Mortgage loan classification

Bank mortgage loan

I. Personal housing loans

1. Personal housing commercial loan

Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.

2. Personal housing provident fund loans

Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as a guarantee to repay the loans.

3. Individual housing portfolio loans

Borrowers who meet the requirements of personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied housing purchased in this city as collateral.

Second, the enterprise mortgage loan

Enterprise loan target: all kinds of small and medium-sized enterprise customers with good business conditions in industrial and commercial registration.

Term of enterprise loan: generally 1-5 years.

Enterprise loan amount: generally 500,000 ~ 65.438+0 billion yuan.

Basic requirements:

1. Hold a loan card issued by the People's Bank of China, and have no bad credit record.

2. The company has been registered and operated 1 for many years, with an annual turnover of more than 3 million in the latest year.

The comprehensive interest rate and expenses are generally between 8%- 14%.

Trust mortgage loan

Mortgaged trust loan means that the trustee accepts the entrustment of the principal and issues the loan according to the object, purpose, term, interest rate and amount specified by the principal (or in the trust plan), and the financier takes real estate mortgage as the guarantee method of the trust loan. The interest rate plus handling fee is generally around 18% per year.

Real estate investment trust

RealEstateInvestmentTrusts, abbreviated as "REITs", literally translated as real estate investment trusts, also known as real estate investment trusts, originated in the United States. REITs are generally divided into three types: stock, mortgage and hybrid.

Pawnshop mortgage

Mortgaged pawn refers to the act that a pawnshop mortgages its real estate to a pawnshop, pays a certain percentage of fees and interests to obtain a pawnshop, and pays the interest and expenses of the pawnshop within the agreed time limit, repays the pawnshop and redeems the pawnshop. The interest and expenses add up to about 3% per month.

Vehicle mortgage

Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third party's car or self-purchased car as collateral. The purpose of loans with automobiles as collateral is mainly automobile consumption. Of course, cars depreciate rapidly, and traffic accidents are likely to affect the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage. ) The emergence of automobile mortgage service platform "Easy Car Loan" provides a new channel for people who own private cars to borrow money in the short term.

With Auto Easy Loan, customers can use the ownership of their own vehicles as collateral to obtain short-term financing needs. It broke through the traditional vehicle mortgage loan model and put forward the service of "vehicles without mortgage". The vehicle loan applicant can continue to use the vehicle after going through the formalities only by installing the GPS positioning system on the mortgaged vehicle, without pledging the vehicle like the traditional vehicle mortgage loan, and will not lose face or cause inconvenience in travel because the vehicle is pledged, and can obtain funds as soon as possible on the same day.

house property mortgage

Real estate mortgage loan refers to the RMB loan in which the borrower mortgages the purchased commercial house, and the loan bank provides the borrower with a package of financial services to meet his various needs such as house purchase, parking space, large durable consumer goods, automobiles and house decoration. Financial institutions give borrowers a certain credit line within the stipulated mortgage interest rate. Generally speaking, the loan approval and lending cycle of financial institutions are relatively long.

Is it reliable for an intermediary to handle mortgage loans?

The cost of intermediary housing mortgage loan is high, and intermediary companies can earn a lot of profits by handling housing mortgage loans. Generally speaking, they charge 3% of the housing loan as a handling fee. If the loan is 6.5438+0.5 million yuan, then the handling fee is 45 thousand yuan. In addition, the loan interest rate will be different according to the loan term and the situation of different banks, and the difference is still relatively large. The longer the general life expectancy, the lower the interest rate. Most intermediary companies, mortgage interest rates, will rise by about 20%-30%. However, the cost of housing mortgage loans through intermediaries is still much lower than that of private lending. Mortgage or pawn? Beware of being embezzled by an intermediary and looking for an intermediary to handle mortgage loans. If you trust the intermediary too much, submit personal identity documents, household registration books, and entrusted notarization. For intermediaries, intermediaries can use these materials to pawn mortgage loans! The lender didn't know the house was pawned until he received a dunning call from the pawnshop. Moreover, the general redemption period is three to six months, which is a quick short-term financing behavior. Remind everyone that it is best for ordinary buyers not to chip in to buy a house through mortgage loans. Because the mortgage procedures are relatively complicated and the interest rate is relatively high, the pressure on buyers is still great. In addition, you must find a formal intermediary to get a loan from the bank for mortgage loans, and don't hand over the real estate license and ID card easily.

What should I pay attention to when looking for an intermediary with a house as a mortgage?

Using a house as a mortgage loan to find an intermediary should pay attention to the following points:

First, it should be clear that the time is the time for lending, not the time for approving loans. The time for approving loans and lending may be much worse.

Second, the cost of mortgage consumer loans is between 1.5 and 2 points. Including agency fees and third-party cash withdrawal fees. These must be written in the contract in advance.

Third, if the loan has been issued, the handling fee is required to be repaid in installments or the loan is issued at one time. This behavior is not the behavior of a liar. At present, many small loan companies in China will charge a certain fee and ask for later repayment.

Fourth, if the loan has not been issued yet and it is required to be repaid in advance, it must be a liar. Formal lending institutions will certainly not require borrowers to pay any fees before the loan is issued.

Extended data:

Requirements for mortgage loans:

I. Housing requirements

1. The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgage;

2. The age of the house (calculated from the date of completion of the house) and the loan period cannot exceed 40 years;

3. Mortgaged houses are not included in the local urban reconstruction plan, and there must be real estate licenses and land certificates issued by real estate departments and land management departments.

Two. Requirements of the lender

China citizens who have a fixed residence in China, a fixed residence in a local town (or a valid certificate), have full capacity for civil conduct and meet the following conditions may apply for individual comprehensive consumption loans.

1, has a proper occupation and a stable income source, and has the ability to repay the loan principal and interest on schedule;

2. No illegal acts and bad credit records;

3. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;

5. Other conditions stipulated by the bank.