How much is the loan fee for the second house?
1, down payment for the second suite
The down payment ratio is generally at least 40%. For example, for a house of 1 10,000, if a family has a second suite, the minimum down payment is estimated to be 400,000.
2. Interest on the second home loan
The lowest interest rate of the second set of housing commercial service loans is not lower than LPR plus 60% in the same period. For example, if the loan is borrowed for 30 years and the LPR is 4.3% after five-year upgrade on August 20, 2022, then the lowest interest rate for the second suite will be implemented according to "4.3%0.6%=4.9%".
3. Deed tax for the second suite
Property deed tax = the collection rate of housing transaction price, while the property tax rate of the second suite is generally 2%. For example, for a house with a price of 1 10,000 yuan, the deed tax for the second suite will be more than 20,000 yuan.
4. Housing maintenance fund
Generally, it is charged according to the total area of the house, because the charges for small high-rise buildings and stairwells are different. For example, if the total area is 100 square meter and the charge is 100 yuan/square meter, then the housing maintenance fund will be more 10000 yuan. The expenses of the second home loan are mainly the above points, including the expenses incurred by the loan and the expenses to be paid for the house purchase. Naturally, there are also some property right evaluation fees, loan evaluation fees, property management fees and introduction fees, which need to be combined with the actual situation.
What are the steps of second-hand housing mortgage loan?
1. Look at the house and sign the purchase contract: The first step in buying a house is to look at the house and choose a house. Even if you buy a house with a loan, you need to go through this step. After the buyer looks at the house he wants to buy, the buyer and the seller negotiate the price. After the talk, you can sign a house purchase contract and then go through the loan formalities.
2. Conduct housing evaluation: the second-hand houses purchased by stages need to be evaluated, and the evaluation of second-hand houses is a very important step. Evaluation of second-hand housing is usually to clarify the down payment that buyers need to pay. Usually, the house appraisal can only find an asset appraisal company, which takes about 5 to 7 working days.
3. Apply for a loan from the bank: After the second-hand house is appraised, the buyer needs to apply for a loan. There are many ways to finance second-hand houses, either provident fund mortgage or commercial loans. However, if you need to apply for a second-hand housing loan from the bank, both buyers and sellers will definitely go to the scene and need to prepare materials. The key to buying a house is to bring personal information. In addition to personal information, selling a house also needs to bring relevant real estate materials. After filling in the second-hand housing loan application form, the bank will contact the designated real estate appraisal agency and go to the new house for acceptance evaluation.
4. Bank approval: After submitting the loan application, the buyer must wait for the bank's approval. When the buyer submits funds to the bank, the bank will review the relevant materials submitted by the buyer. Generally speaking, the bank calculates the next amount according to the evaluation value of the asset appraisal agency. The prerequisite must be that the bank recognizes your loan qualification, and you can only pass if you meet the conditions.
5. Submit an application for transfer of property rights: After applying for a loan, if the buyer and the seller pay the down payment, they need to submit an application for transfer of property rights. The transfer must be made in the presence of both the buyer and the seller. The buyer and the seller must apply to the relevant departments of real estate management with the qualification certificate of real estate ownership, the reasonable and legal confirmation letter of the parties, the transfer agreement and other relevant documents, and apply for the transaction price and receive the trial form.
6. Apply for real estate license: Before applying for real estate license, buyers still have to pay relevant taxes and fees. After paying the property tax, you can gradually apply for the real estate license, and the real estate management unit can issue a new house ownership certificate for the purchaser, but both parties need to go to the real estate management department to obtain the house property certificate with the transfer procedures.
7. Bank payment: property buyers can go to the bank to apply for house mortgage when they transfer their property rights and get the real estate license. After applying for housing mortgage loan, the bank will transfer the money to the account designated by the buyer, which can generally be directly transferred to the seller's account, and the housing loan will be mortgaged according to the contract. It should be noted that there may be insurance premiums or service fees in the middle of obtaining the real estate license, and different banks will be different.
How much is the handling fee for second-hand housing mortgage loan?
Second-hand housing mortgage loan has always been the choice of many buyers. For borrowers, what other expenses are there besides repayment and interest? How much is the handling fee for second-hand housing mortgage loan?
The expenses involved in handling individual housing loans include evaluation fees, attorney fees, insurance fees, mortgage registration fees, etc.
1. Appraisal fee: According to the regulations of CCB, appraisal fee is not required for individual housing loans for newly-built commercial houses, but for applicants who use provident fund loans. General housing and houses sold according to the housing reform policy do not need to pay assessment fees. Need to assess, according to the 500 yuan charge. ICBC requires that ordinary commercial housing and affordable housing should be identified according to their sales prices, but not evaluated. Second-hand houses, high-grade apartments and villas should be evaluated. Agricultural Bank of China second-hand housing evaluation fee is charged at 4‰.
2. Attorney's fees: In addition to pledge, the application for commercial loans must be reviewed by lawyers, and legal opinions will be issued by law firms. The law firm charges the borrower a one-time legal service fee of 3‰ of the loan amount applied for, and the minimum amount for each order is 100 yuan; There is no need to pay lawyer's fees for handling provident fund loans; If it is a portfolio loan, the provident fund part will not be collected, and the commercial loan part will be collected.
3. Insurance premium: In the provident fund personal housing loan, if mortgage guarantee and comprehensive housing insurance are adopted, real estate insurance and personal insurance must be purchased. Life insurance depends on age and loan amount, and real estate insurance premium = insurance amount ׉ (reinforced concrete structure )× insurance period. In commercial loans and portfolio loans, those who apply for loans by mortgage need to purchase property insurance.
4. Mortgage registration fee: mortgage registration fee of RMB per square meter (construction area) is charged by the mortgage registration department (ownership department of housing and land management departments in all districts and counties).
5. Notarization fee: Second-hand housing loans need to be notarized, and each piece is about 200 yuan.
The above is part of the expenses involved in handling second-hand housing loans. I believe that after the above introduction, you will have a certain understanding of the relevant knowledge of loan fees.
How to calculate the second-hand housing loan
Question 1: How to buy a second-hand house and how to apply for a second-hand house loan?
Answer: (1) The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract; (2) Eligible buyers apply for loans from loan banks and provide relevant certification materials; ⑶ The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank to conduct house appraisal; (4) The law firm identifies, investigates and analyzes the borrower's credit certification materials and evaluation reports, and issues legal opinions; 5] The loan bank shall examine and approve the loan and inform the loan applicant whether to agree to the loan; [6] The buyer and the seller handle the transfer of property rights. After the transfer, the borrower goes to the bank to handle the loan procedures; (7) The purchaser signs a second-hand house mortgage loan contract with the loan bank; (8) The buyer and the seller shall send the transferred house ownership certificate to the loan bank for mortgage registration; (9) After the loan contract comes into effect, the loan bank will allocate funds according to the loan contract; ⑽ The borrower repays the loan on a monthly basis; ⑾ The borrower pays off the principal and interest of the loan and cancels the mortgage guarantee.
Question 2: How to calculate the house loan? The total amount of expert consultation is 687,500 yuan. If your minimum down payment is 30%, the down payment should be 206,250, and the total loan amount is 48 1.250 yuan. The down payment is 206,2501250 = 207,500 yuan. The total loan amount is 480,000 yuan only.
If the benchmark interest rate of bank loans is 6.55%
10 years, monthly payment of more than 5460. Interest is 655500 yuan, and interest 175500 yuan.
15 years, the monthly payment is about 4,200 yuan, with interest of 755,000 yuan and interest of 275,000 yuan.
If the loan interest rate can be 15% off. 5.22% interest rate
The monthly payment of 10 is about 5 150, with interest of 6 17000 and interest of 137000.
15 the monthly payment is about 3,850 yuan, with interest of about 690,000 yuan and interest of about 210.3 million yuan.
The discount of interest rate depends on whether there is a discount on the loan.
The monthly payment depends on your repayment ability and down payment ratio.
Generally speaking, the more down payment, the shorter the loan term, the less interest you pay and the lower the monthly payment.
The lower the down payment, the longer the loan term, and the more interest you have to pay, but the monthly payment will not be much.
Question 3: How to calculate the down payment for second-hand housing loans? Calculation method: net down payment = actual transaction price-customer loan amount (net down payment: down payment excluding national tax and intermediary service commission)
Second-hand housing loan down payment:
1. Seller factor
1) Purchase the house in full or pay off the bank mortgage.
If the buyer does not have much money, but the credit status is good, generally only 20% down payment is needed as the down payment of second-hand housing loans.
2) The mortgage has not been paid off, and the buyers are required to cooperate with the repayment.
According to the credit status of buyers, the general down payment is 30%. In addition, it is suggested to take the fund supervision procedure to avoid losses due to some reasons.
2. Buyer's factor
1) There are sufficient funds to pay the house price in one lump sum.
Of course, this situation does not involve the down payment.
2) The buyer is short of funds and needs a loan. This depends on whether there is real estate under the name of the purchaser. How many properties are there?
(1) If there is no house under its name, or there is no property with outstanding loan, then the second-hand house purchased is the first suite, subject to the evaluation price, not the market price. If some cities have introduced policies to restrict purchases and loans, the local policies shall prevail.
(2) There is still a set of property under the name that has not paid off the loan, so the second-hand house purchased is the second suite. Apply for a loan, the down payment ratio shall not be less than 30%. The corresponding loan interest rate will also rise.
(3) If there are two properties under the name of the purchaser and they are all repaying normally, you can't apply for a loan to buy a second-hand house.
3. The second-hand housing factor
If the purchased second-hand houses are poorly located and older, some banks will also increase the down payment ratio and loan interest rate.
Question 4: How to calculate the second-hand housing mortgage loan? The second-hand housing loan is based on the appraised price of the house, and banks with different appraised prices may have differences. Search the mortgage calculator directly on Baidu, and you can help you calculate the monthly payment as long as you enter the loan amount and the number of years.
Question 5: How do second-hand housing loan owners calculate the down payment ratio of second-hand housing loans?
1. If the last one has paid off the mortgage or does not need the buyers to share the loan, and the buyers are very talented and can get 80% of the second-hand housing loan, then only 20% of the second-hand housing loan down payment is required.
2. If the last one has not paid off the loan and requires the buyers to cooperate with the loan repayment, then it is safer to go through the fund supervision procedures and then make a down payment of 30% of the second-hand housing loan.
3. If the buyer has sufficient funds and can pay the house price in one lump sum, there is no need to pay the down payment for the second-hand house loan.
Calculation method of down payment for second-hand housing mortgage loan;
Net down payment = actual sales price-customer loan amount (net down payment: excluding state taxes and intermediary service commission)
Loan amount = 80% of the appraised price of the second-hand house (the first loan amount can reach 80%).
The loan amount budget method can be used to estimate the approximate evaluation quotation at 85% of the contract price.
If it is the first time to buy a second-hand house, the second-hand house mortgage loan should be at least 30% down payment, and 70% can be loaned; If it is a second-time house purchase, the down payment of the second-hand house mortgage loan shall not be less than 70%; The interest rate is 6.55%.
Note: customers and owners can negotiate when to pay the down payment for the sale of second-hand houses, but they must pay taxes before the transfer. Usually, the house purchase deposit of 10% is paid when signing the contract (if the buyer does not buy it, the owner will not refund it; If the owner doesn't sell it, it needs to be returned to the buyer twice); The rest can be recorded at the agreed time, such as the down payment balance before the final tax payment within one week, half a month or one month.
Delivery time of second-hand house:
The time required for full purchase and loan purchase is different, as follows:
First, the full purchase, about 7 days.
1, house inspection, the buyer and the seller reach an agreement and pay the house purchase deposit: 1 day.
2. Down payment for house transfer: 1 day.
3. Pay taxes and get a new real estate license: 4 working days.
4. Final payment of property delivery and payment: 1 day.
Two. Buying a house by loan takes about 20 working days.
1, house inspection, the buyer and the seller reach an agreement and pay the house purchase deposit: 1 day.
2. Submit the loan application and sign the loan contract: 1 working day.
3. Property appraisal and third-party guarantee: 1-2 working days.
4. Bank approval: 5 working days.
5. Down payment for house transfer: 1 working day.
6. Pay taxes and get a new real estate license: 4 working days.
7. It takes 2 working days for the bank to receive the loan contract and mortgage registration.
8. Bank loan to the seller, property delivery and final payment: 2-5 working days.
Question 6: How to calculate the down payment of second-hand housing mortgage loan? According to commercial loans and provident fund loans, the calculation criteria for loans are as follows:
(a) the buyer's commercial loan to buy a house:
1. The buyer chooses a commercial loan to purchase the first house, with the minimum down payment ratio of 30% of the appraised house price and the maximum loan ratio of 70%;
2. The buyer chooses commercial loans to purchase more than two houses, with the minimum down payment ratio of 50% of the appraised house price and the maximum loan ratio of 50%;
3. If the buyer chooses a commercial loan to purchase a commercial house, the minimum down payment ratio is 50% of the appraised house price, and the maximum loan ratio is 50%;
(II) Purchase of house by the buyer's provident fund loan:
1. The buyer chooses provident fund loan to purchase the first house, with the minimum down payment ratio of 20% of the appraised house price and the maximum loan ratio of 80%;
2. The buyer chooses provident fund loans to buy two houses, with the minimum down payment ratio of 40% of the appraised house price and the maximum loan ratio of 60%;
3. The buyer cannot use the provident fund loan when purchasing three or more houses and commercial houses.
Question 7: How to calculate the transfer fee of second-hand housing loan? Taxes and fees payable by buyers in second-hand housing transactions include: 1. Deed tax: 1.5% of the house price (3% for areas above 144 square meters and1%for areas below 90 square meters); 2. Stamp duty: 0.05% of the house price; 3. Transaction cost: 3 yuan/m2; 4. Surveying and mapping fees: by region. The taxes payable by the seller include: 1. Stamp duty: 0.05% of the house price; 2. Transaction cost: 3 yuan/m2; 3. Business tax: 5.5% difference (if the real estate license is less than 5 years); 4. Personal income tax: 20% of the profit of real estate transaction or 1% of the house price (the real estate license is more than 5 years and the only house is exempt). Take a house with a total value of 400,000 as an example, the transfer fee is nearly 30,000. Among them, the buyer needs to bear a large cost of deed tax; Other expenses shall be borne by the seller, but generally the seller will agree to be paid by the buyer.
Question 8: How is the commercial loan amount for purchasing second-hand houses calculated? If your city has China Merchants Bank, you can try to apply for a loan through China Merchants Bank. The maximum loan/credit line shall not exceed 70% of the mortgaged value of the purchased property, and must comply with the relevant regulations of the regulatory authorities and banks. If the policy of the regulatory authorities is adjusted, it shall be implemented in accordance with the relevant regulations of banks and regulatory authorities. The mortgage value shall be determined according to the principle that the present value of the mortgaged property is lower than the transaction price.
For specific information about the corresponding amount of the loan, you can also confirm it in detail through the counter personal loan department when applying through the counter personal loan department.
Please dial 95555 at 8:30- 18:00, and select "2 manual service-"1"personal banking-"4 "personal loan business to enter the manual service to provide loan purpose and city details.
Question 9: Buying a second-hand house loan. How to calculate one according to the flat valuation? The appraisal price is based on the market comparison method of real estate appraisal, and the average unit price of a specific real estate is converted through professional treatment of the listed price of the house for sale in the same real estate and the actual transaction price of the same type of real estate.
Second, a set of old house value geometry cannot be "roughly estimated" by experienced appraisers, and there must be a set of calculation and operation methods. The "market comparison method" is mainly adopted, and three sets of comparable properties that meet the following requirements are usually selected: similar to the location of the house to be evaluated, similar in transaction time, same in property rights, same in apartment type, similar in building age, same in structure, same in ownership and similar in value. Taking the transaction price of these three houses as the comparison object, plus several correction coefficients, the final arithmetic average is the appraisal price of the entrusted appraisal house.
Third, when signing online, the transaction amount can be used as the online signing price according to the evaluation price, which can save some tax money. For example, if the actual transaction price is 6.5438+0 million and the evaluation price is 900,000, 900,000 can be used as the online signing price.
Question 10: How to calculate the down payment of the house loan? The average price of the house is 4000, and the total price of the house is 440 thousand.
To calculate the down payment, we must first calculate the loan amount, with a down payment of 30% and a loan of 70%.
The loan amount is calculated according to the regional guidance price (the lowest transfer price stipulated by the Construction Committee), which is generally lower than the transaction price 10%.
4000-(4000X 10%)=3600 (regional guide price)
3600X 1 10 square meter =396000 yuan.
396000 x 70% = 27720 yuan (this is your loan amount).
440,000 yuan (transaction price)-277,200 yuan (loanable amount) =162,800 yuan.
Your down payment is 6.5438+0.6 million.
The monthly payment is calculated like this.
Loan amount x loan term x interest rate = monthly payment
277200X20X7.05=39085200
Monthly payment for 400 yuan.
As long as you are an adult, you can apply for a loan. You don't need to work or start a business. Bank mortgage and buying a house are basically random loans!
How to calculate the commercial loan interest rate of second-hand houses?
1. The maximum loan ratio for second-hand houses is 70% of the low value between the total purchase price and the appraised house price. The loan amount varies according to different banks, subject to the requirements of the lending bank. 2. The longest loan period is 30 years, and the borrower is no more than 65 years old for men and no more than 60 years old for women. 3. The loan interest rate shall be subject to the relevant provisions of the People's Bank of China. Article 38 of the Law on Commercial Banks: Commercial banks shall determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.
How much is the mortgage fee for second-hand houses?
If you don't have enough money, you can use your home property as collateral and apply for a mortgage loan. What does it cost to apply for a second-hand house mortgage loan in the bank?
The handling fees involved in housing mortgage loan mainly include appraisal fee, lawyer's fee, insurance fee, mortgage registration fee and notarization fee.
Appraisal fee: Generally speaking, the mortgage loan with a house needs to be appraised first, and the lending institution will determine the loan amount according to the price assessed by the professional appraisal company. Looking for an evaluation company to evaluate the value of individual housing generally requires an evaluation fee of several hundred yuan.
Lawyer's fees: Except pledge, the application for commercial loans must be reviewed by lawyers, and legal opinions will be issued by law firms. The law firm charges the borrower a one-time legal service fee of 3‰ of the loan amount applied for, and the minimum amount for each order is 100 yuan; There is no need to pay lawyer's fees for handling provident fund loans; If it is a portfolio loan, the provident fund part will not be collected, and the commercial loan part will be collected.
Insurance premium: In the provident fund personal housing loan, if mortgage guarantee and comprehensive housing insurance are adopted, housing property insurance and personal insurance must be purchased. Life insurance depends on age and loan amount, and house property insurance premium = insurance amount ×0.8‰ (reinforced concrete structure) × insurance period. In commercial loans and portfolio loans, those who apply for loans by mortgage need to purchase property insurance.
Mortgage registration fee: mortgage registration fee of 0.30 yuan per square meter (construction area) is charged by the mortgage registration department (ownership department of housing and land management departments in all districts and counties).
Notarization fee: a mortgage loan with a house is generally the house you have lived in, which belongs to a second-hand house. The second-hand house needs notarization, and the notarization fee is generally about one or two hundred yuan.
This concludes the introduction of the second-hand housing commercial loan handling fee and the transaction process and expenses of the second-hand housing commercial loan. I wonder if you have found the information you need?