Bank mortgage loan related expenses:
1. Attorney's fees: some are calculated according to the bill, generally between 200-500 yuan per bill; Some are calculated according to the house price, and the charging standard is two thousandths. Generally speaking, the former charging standard is aimed at small-area units, while the latter is mainly aimed at large-area units.
2. Insurance premium: There are two calculation methods, the latest one is the most scientific and beneficial to the owner. The specific calculation method is loan amount × 1.2 times× one thousandth× year× discount.
3. Stamp duty: 0.05% of the loan amount is collected by the tax bureau.
4. Bank account opening fee: 65,438+00 yuan, which will be charged by the bank.
5. Notarization fee: generally between 200 yuan and 300 yuan.
6. Other warrant fees: generally between 200-300 yuan.
Legal basis:
People's Republic of China (PRC) Civil Code
Article 353 The holder of the right to use construction land has the right to transfer, exchange, contribute, donate or mortgage the right to use construction land, except as otherwise provided by law.
Article 354 Where the right to use construction land is transferred, exchanged, contributed, donated or mortgaged, the parties concerned shall conclude a written contract. The term of use shall be agreed by the parties, but it shall not exceed the remaining term of the right to use the construction land.
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.
Article 671 Where the lender fails to provide the loan on the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.
Article 672 The lender may inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.
Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.
What is the charging standard of the loan intermediary company?
The state has no clear law on agency fees, but Shanghai Administration for Industry and Commerce, Price Bureau and Real Estate Bureau have corresponding documents. Agency fee: general cash 1%, loan 2%. Loan service fee: 65438+ 0% of the turnover. Guarantee fee: Individual intermediary companies charge an additional 0.5% transaction guarantee service fee, commonly known as "guarantee fee". The loan service fee shall not exceed that of 300 yuan.
How much is the service fee for the loan intermediary at 3 points?
The three points of the intermediary service fee of the loan are the loan amount multiplied by 0.03, and the service fee of the loan 1 10,000 is 300.
Xi' an Mercedes-Benz female car owner refunded the service fee.
June 19, 1 1, 62 days after climbing the hood of Mercedes-Benz, Wang Qian (pseudonym) brought back a new car from a Mercedes-Benz 4S shop. In addition, Wang Qian told Red Star News that the service fee of 1.5 million yuan that she was charged had also been refunded after being concerned by public opinion.
Sharla Cheung, chief economist of the Taxation Bureau of Xi Hi-tech Industrial Development Zone, once said that the "financial service fee" paid by Wang Qian was actually collected by the staff of a third-party company A stationed in a shop in 4S. According to the Prepayment Service Agreement signed between the female car owner and B Sheng Automobile Trading Co., Ltd., a loan of 4 19 1600 yuan was approved, of which 3% was12,575 yuan.
Law enforcement departments investigated and dealt with the illegal acts of B Automobile Trading Co., Ltd. suspected of infringing consumers' rights and interests.
At present, almost all 4S stores that provide financial loans to consumers will charge financial service fees with different amounts. At present, the general charging standard of "financial service fee" in the market is about 2% of the loan amount, but many 4S stores charge about 4%, ranging from several thousand yuan to ten thousand yuan.
Extended data:
The financial service fee in the market has become a "semi-open rule". Generally, the charging standard of each brand is about 2% of the loan amount, but many 4S stores are different, and many of them charge about 4%, ranging from several thousand yuan to ten thousand yuan. Another car salesman also confirmed that some 4S stores can get 50% of the financial service fee, so the salesman will try his best to persuade all customers to make mortgages, and there is also a set of rhetoric.
This cost exists in the distribution links of many brand manufacturers. "Conscious" merchants will mark the "existence" of this fee in the corner with extremely small words on the poster in the 4S shop window. According to relevant media reports, there are three kinds of financial service fees, namely domestic cars, joint venture cars and imported cars. Domestic cars are generally less than 65,438 yuan, and like joint venture cars, they are all about 3,000 yuan.
About 200,000 cars are generally subject to the service point. For example, if your loan is 654.38+ 10,000 yuan, you can charge a few points according to 654.38+ 10,000 yuan. If the car is imported, that point will be higher than the joint venture car of more than 200 thousand. The collection of financial service fees is unfounded and unreasonable; Through WeChat transfer, the actual income of this 4S store was not recorded, which was suspected of tax evasion.