Now many people will choose second-hand houses. In the process of second-hand housing transactions, many people will choose loans, so they must follow the process. Only by understanding can we avoid going the wrong way in the process of second-hand housing transactions, so today we will introduce the second-hand housing transaction loans and the mortgage fees of second-hand housing banks. Let's have a look.

First, the second-hand housing transaction loan.

1. The buyer and the seller sign a house sales contract. The contract stipulates that the buyer will pay the house price, down payment and loan ratio by means of second-hand housing loan. In this link, the buyer usually looks at the seller's "Property Ownership Certificate", water and electricity records and other documents at the same time, and sometimes the seller will ask the buyer to pay a certain deposit;

2. The buyer and the seller should print the real estate sales agreement in the real estate market of the county where the house is located (the agreement should clearly indicate the payment method of the house price, such as the down payment of 10,000 yuan, and the rest of the funds apply for loans, etc. ), at the same time, the buyer and the seller signed the Agreement on Collection and Payment of Private Property Houses at the local Housing Authority site, clarifying the entrustment relationship of collection and payment of transaction funds;

3. Due to the particularity of second-hand houses, the buyer needs to find an appraisal company to evaluate the purchased property first, and the bank will take the lower of the house transaction price and the appraisal price as the basis for lending. It should be noted that some banks will only accept the appraisal report of the designated appraisal company, while others will not. Therefore, property buyers should consult loan banks before assessment;

In order to ensure the security of the loan, the general bank will ask the buyer to provide a guarantee. The guarantor can be a financially capable individual or a professional guarantee company. It should be noted that at present, some banks have launched unsecured second-hand housing loans, and buyers should be clear about the guarantee fees charged by banks before handling mortgages;

5. The buyer shall deposit the down payment into the loan bank with the Agreement on Collection and Remittance of Private Property Houses, and obtain the deposit certificate of the down payment. At the same time, he may apply for a second-hand house loan from the bank and submit all loan application materials;

6. After the approval of the bank, the buyer signs a loan contract with the bank, and the bank informs the seller that it can lend money;

7. The buyer and the seller bring the original and photocopy of the real estate license, the sales contract and photocopy, and the ID cards of the buyer and the seller to the real estate bureau for transfer, and the old land certificate to the land bureau for replacement;

8. The buyer goes to the real estate bureau to handle the mortgage formalities of the property with the real estate license, land certificate transfer receipt, certified sales contract, deed tax invoice and other materials;

9. After receiving the mortgage certificate, the bank will issue the loan. After the loan is issued, the buyers will get a new property certificate from the housing management department.

10. The buyer shall repay the loan on time according to the agreed repayment method, and handle the mortgage registration cancellation procedures after paying off all the loans.

Second, the second-hand housing bank mortgage fees.

When mortgage or sub-mortgage is involved, the mortgage fees to be paid mainly include:

Service fees of companies, appraisal companies, banks and other related institutions.

1. Notary fee for sub-mortgage contract agreement: 300 yuan per piece;

2. Transaction entrustment notarization fee: 200 yuan per piece;

3. Bank provident fund agency fee: each 500 yuan case is charged by the corresponding bank;

4. Registration fee for other rights: 250 yuan for each certificate (500 yuan for each certificate) shall be collected by the Housing Authority;

5. Stamp duty on loan: 0.005% of the loan amount will be collected by the bank.

6. Housing survey fee: Housing Authority collects 90 yuan for each certificate;

7. Housing appraisal fee: 0.5% of the appraisal price will be charged by the appraisal company. Do not need an assessment report, only the initial assessment fee 300 yuan;

8. Mortgage agency fee: the service fee charged directly by the mortgage company, with the loan amount as the standard (1%~1.5%); Different mortgage companies have different standards, which are generally 1% or1.2% of the loan amount;

9. Loan insurance premium: loan amount * 1.2 * 0. 1% * loan term, which will be collected by the insurance company. The maximum term of second-hand housing mortgage loan is 20 years;

10. notarization fee for loan contract: 300 yuan for each case;

Among them, most banks do not charge agency fees for bank provident funds. In addition, individual banks will charge a refinancing fee, ranging from 1 1,000 yuan per case in 500 yuan.

The above is all the knowledge I have introduced to you today about second-hand housing transaction loans and mortgage fees of second-hand housing banks. I hope I can help you. Understanding the mortgage cost of the second-hand housing bank and the mortgage process of the second-hand housing transaction can make everyone take fewer detours in the second-hand housing transaction process.