Second-hand houses need to pay mortgage service fees. Generally speaking, in the process of mortgage or sub-mortgage, second-hand houses need the services of mortgage companies, appraisal companies, banks and other related institutions, so it is essential to pay mortgage service fees. Mortgage service fees mainly include housing survey fees, housing evaluation fees, mortgage agency fees, loan insurance fees, loan contract notarization fees, sub-mortgage contract agreement notarization fees, transaction entrustment notarization fees, etc.

1. Determine the mortgage service company and loan scheme: Before handling the loan, the borrower needs to determine the mortgage service company with the intermediary, consult the mortgage service company for loan and determine the loan scheme.

2. Inquiring about provident fund (if provident fund loans are needed): After the borrower and the seller confirm their intention to purchase a house, they will provide the account number of provident fund, and the mortgage service company will inquire about the provident fund to determine the loanable amount and loan term.

3. Signing a house sales contract: The borrower and the seller sign a house sales contract. Due to the different requirements of the trading center, the houses in Jiang 'an, Jianghan, Qiaokou and Hongshan need to be transferred to the trading center in this area after the contract is signed.

4. Prepare loan information and review the loan qualification: the mortgage service company assists the borrower to prepare loan information according to the requirements of the bank, and some houses need to be evaluated by an appraisal company; And the mortgage service company will conduct a preliminary audit.

Is there a loan service fee for buying a second-hand house?

1. General expenses include business tax 5.65%, deed tax 1%-3%, land 1%, individual tax 1%, handling fee 6 yuan /m2, stamp duty 0.25%, registration and drawings 100 yuan, etc.

2. The annual interest rate of provident fund loans 1-5 is 4.59%, and it is 5.04% in 6-30 years. The maximum amount of provident fund loans was adjusted from July this year 1 from 400,000 to 600,000. The longest loan period is 30 years.

Legal basis: Article 959 of the Civil Code: The trustee-trader's claim for remuneration and lien. If the trustee-trader completes or partially completes the entrusted affairs, the trustor shall pay corresponding remuneration to him. If the trustor fails to pay the remuneration within the time limit, the trustee-trader shall have a lien on the trustor, unless otherwise agreed by the parties.