Provident fund loans are very convenient for buyers, and many buyers can't understand why provident fund loans have to pay guarantee fees. I think this regulation is unreasonable, so let's find out why the provident fund loan should pay the guarantee fee.
The guarantee fee is directly paid to the provident fund for guarantee, and it is the directly affiliated unit of provident fund management. Because the bank loan directly faces the management of the provident fund, and then the provident fund guarantees for you personally, the money you apply for is given, so the provident fund guarantee is actually responsible for you and risky, so the guarantee fee has a certain effect.
The charging standard is: municipal: yes, the guaranteed loan amount *0. 5%
Status management: Yes, the guaranteed loan amount is *0. 3%
The underpaid is 300, which needs to be paid at the face-to-face signing of provident fund management.
In addition, if the loan is made at the time of deed tax, an additional guarantee fee of 2000 yuan is needed.
In order to guard against loan risks and ensure the safety of funds, the lender should provide a guarantee method that meets the requirements when applying for provident fund loans. Pledge, joint and several liability guarantee provided by the guarantee company, etc. Can be used, qualified can also use mortgage guarantee. The new "Weifang Personal Housing Provident Fund Loan Implementation Rules" also narrows the scope of guarantee provided by guarantee companies, and borrowers who buy second-hand houses and second-hand houses can apply for mortgage loans with the houses they buy; In order to ensure the safety of loan funds, when borrowers who purchase the first suite and auction house apply for provident fund loans, they need to be provided with joint and several liability guarantees by the guarantee company publicly invited by the municipal government. If the borrower purchases a new house with the mortgage of a third person's house, the house used for mortgage cannot be the only house of the family. When the borrower chooses a guarantee company to provide guarantee, it is required to pay the guarantee fee to the guarantee company. The guarantee rates are: 00 years 1- 1.6 ‰, 20 years 1 1 ‰, 0-30 years 2 1 ‰. According to the applicable rates in different years, the sum of them is the guarantee fee payable. For example, the guarantee fee for applying for a 30-year loan of 300,000 yuan = 300,000 yuan (10 * 0.6 ‰+20 * 0.1‰) =1.800 yuan +600 yuan = 2,400 yuan.
In August this year, the Ministry of Housing and Urban-Rural Development issued a notice to carry out special supervision of provident fund services nationwide, demanding that intermediate fees be reduced and unreasonable charges such as compulsory insurance and notarization guarantee be cancelled.
Le Bing, a member of Hunan Housing Society, told reporters that the current application for housing provident fund loans mainly involves two expenses.
The first is the assessment fee. If the house purchased by the borrower is a commercial house, a second-hand house or other houses that need to be evaluated as recognized by the loan accepting institution, it must provide a house evaluation report issued by a qualified evaluation institution recognized by the management, and it is necessary to pay an evaluation fee to the evaluation institution. The second is the guarantee service fee. When applying for a housing provident fund loan, the loan applicant must provide a guarantee method recognized by the management. At present, it mainly provides joint liability guarantee and other guarantee methods (mortgage guarantee, pledge guarantee, etc.). ) for urban housing loan guarantee. If the guarantor provides the guarantee, it shall pay the guarantee service fee to the guarantor.
Therefore, it has its own significance for the state to raise the guarantee fee. Through the above, we understand why we have to pay the guarantee fee and the new national policy, hoping to help you.