1. The cost of applying for a personal house mortgage loan 1. House appraisal fee
Applying for a real estate mortgage loan requires the step of property appraisal, and usually it can only be done by If an appraisal agency approved by the bank or designated by the bank conducts the appraisal, appraisal fees will be incurred. However, there is no unified standard for the assessment fees for real estate mortgage loans. They are generally related to the assessed amount, or calculated directly on a per-item basis (ranging from 200-500 yuan for one assessment).
2. Notary fee
Some banks will require the borrower to notarize the loan mortgage contract. After the contract is notarized, if there is a risk of default by the borrower later, the bank can rely on the notarization to bypass the cumbersome procedures of the court auction and force the mortgaged property to be disposed of, thereby ensuring its interests. In terms of fees, the notary office charges 3‰ of the loan amount, and the entrusted notary fee is about more than 2,000 yuan.
3. Registration fee for mortgage transfer of other rights
When registering a real estate mortgage, the general mortgage is the other’s right certificate. At this stage, the borrower needs to pay the registration fee for the mortgage. The charging standards will be different in different regions. Usually it costs 80 yuan for residential type and 500-600 yuan for commercial type.
4. Intermediary service fee
Some people want to obtain loans faster and more conveniently, and will entrust an intermediary to handle real estate mortgage loans. There is no free lunch in the world, and agencies also charge service fees. There is also no fee standard for intermediary services, but they usually range from 2% to 10% of the total loan amount. But one thing to note is that the more informal the agency, the higher the service fee.
In addition, there is room for bargaining on intermediary service fees to a certain extent. It depends on how you grasp it. Old customers are usually more talkative.
2. How can you save more money with a home mortgage loan? 1. Appropriate loan term
The maximum loan term of a home mortgage loan is 30 years. Logically speaking, the longer the loan term, the less the loan repayment pressure, but the higher the loan cost; the shorter the loan term, the lower the interest repayment, the lower the loan cost, but the higher the loan repayment pressure. Therefore, if you want to save loan costs for a home mortgage loan, it is important to choose an appropriate loan term. If the economic situation is not that good, it is recommended to choose a longer loan period so that your daily life will not be affected by the loan. If your economic situation is relatively good, you can choose a shorter loan period to save loan costs.
2. Appropriate repayment methods
There are many repayment methods for housing mortgage loans, but borrowers should not choose blindly, because appropriate repayment methods can also save loan costs. . Under normal circumstances, people who apply for a home mortgage loan will be confused about whether to repay the principal and interest in equal installments or the principal in equal installments. If you want to reduce the pressure of loan repayment, it is best to choose the repayment method of equal principal and interest; but if you want to save loan costs, then it is best to repay the principal and interest in equal amounts, but in this case the loan repayment pressure will increase.
3. Suitable loan products
Mortgage loans to buy a house are also housing mortgage loans. When we apply for mortgage loans, we can choose between provident fund loans and commercial loans. I believe all borrowers are aware of the discounts and low interest rates. If you do not have a housing provident fund, you can apply for a commercial loan, or those who have a provident fund can apply for a combination loan of provident fund and commercial loans. In fact, no matter what loan product you finally choose, as long as it can save loan costs, it is a good loan product.