Fees to be paid for handling loans:

After the property buyers choose the loan method, they can go to the relevant departments to handle the loan procedures, and also need to pay the following fees:

1. Attorney's fee: 3‰ of the loan amount applied. If it is less than 100 yuan, it will be charged at 100 yuan; Housing provident fund loans, no lawyer fees; But if it is a portfolio loan, the commercial loan will be charged at 3‰.

2. Notarization fee: If the house needs to be notarized, a certain percentage of notarization fee shall be paid. The standard of notarization fee is generally from 200 yuan to 400 yuan, or charged according to the standard of notary office.

3. Insurance premium: There are two forms. Currently, the following 1) form is generally adopted.

1) mortgage plus joint liability guarantee: insurance premium = house payment x annual insurance rate x discounted present value coefficient.

2) The comprehensive insurance of mortgage plus house purchase consists of home insurance and life insurance:

① Housing insurance = loan amount x annual insurance rate x discounted present value coefficient

② Personal insurance = loan amount x (main insurance rate x unemployment insurance)

What needs to be explained here is that attorney fees and notary fees are not necessary fees, but due to the complicated procedures when handling the above procedures, most property buyers entrust developers, law firms or other intermediaries to handle them uniformly. If you don't need to entrust an agent or notarization, you don't need to pay these two fees.