The fees that banks need to pay when applying for home purchase loans are:

1. Cost of production: 100 yuan.

2. Notary fee: 300-600 yuan.

3. Assessment fee: 1.5 to 3 per thousand.

4. You need to pay deed tax when purchasing a new house with a mortgage.

5. For provident fund loans in some areas, in order to avoid risks, the provident fund management center charges a certain guarantee fee and transfers the loan guarantee responsibility to the guarantee company.

"Interim Measures for the Management of Personal Loans"

Article 1: In order to regulate the personal loan business behavior of banking financial institutions, strengthen the prudent operation and management of the personal loan business, and promote the healthy development of the personal loan business , These Measures are formulated in accordance with the Banking Supervision Law of the People's Republic of China and the Commercial Bank Law of the People's Republic of China and other laws and regulations.

Article 2 The People's Republic of China and domestic banking financial institutions established with the approval of the China Banking Regulatory Commission (hereinafter referred to as the lenders) shall abide by these Measures when engaging in personal loan business.

Article 3 Personal loans as mentioned in these Measures refer to domestic and foreign currency loans issued by lenders to qualified natural persons for personal consumption, production and operation, etc.

Article 4 Personal loans shall follow the principles of legal compliance, prudent operation, equality and voluntariness, fairness and integrity.

Article 5 Lenders should establish an effective full-process management mechanism for personal loans, formulate loan management systems and operating procedures for each loan type, clarify the corresponding loan objects and scope, implement differential risk management, and establish loan Assessment and accountability mechanisms for each operation link.

Extended information:

Information required to apply for a mortgage loan:

1. A letter of intent to purchase a house signed by the borrower and the seller, a purchase receipt of more than 30 yuan, or other Supporting documents.

2. The borrower’s couple’s valid identity documents, marriage status certificate, household register, income certificate and half-year bank statements and other documents.

3. Proof that someone is willing to mortgage the property.

4. Other information deemed necessary by the lending bank.

5. If the borrower is a legal person, he or she must bring a valid "Enterprise Legal Person Business License" or "Institutional Legal Person License", legal representative identity certificate, financial statements, and loan card. If it is a joint-stock enterprise, it is also necessary to provide the company's articles of association and the mortgage certificate approved by the board of directors.

Baidu Encyclopedia - Bank Mortgage Loan

Baidu Encyclopedia - Mortgage to Buy a House