Generally speaking, the mortgage cost of Chengdu mortgage mainly includes: appraisal fee, notarization fee, mortgage fee, guarantee fee, etc. The appraisal fee: 300 yuan, notary fee: 300 yuan, unmarried mortgage fee: residential 80 yuan, and (non-residential 950 yuan) guarantee fee: loan amount multiplied by 1% to 2%.
As a kind of mortgage loan, Chengdu mortgage has its own risks for banks. Judging from the global financial risk caused by the butterfly effect of American subprime mortgage in the first quarter of 2007, the financing mode of mortgage loan is partly determined by the market situation of housing market. When the market interest rate rises and the housing market is depressed, the repayment ability of lenders may be affected, and banks will face huge credit risks accordingly. When the risk accumulates to a certain extent, it is possible that one day, huge financial risks will break out. In September, some commercial banks raised the down payment ratio of mortgage loans, to some extent to prevent this risk.
Mortgage fees and mortgage fees are fees charged by intermediaries to property buyers, not by banks themselves. Intermediary fees are only for making more money, and there is no specific calculation method.
The word "Mortgage" is a cantonese transliteration of the English word "mortgage", which refers to obtaining bank loans with real assets such as real estate or securities and contracts as collateral, and repaying the principal and interest in installments according to the contract. After the loan is paid off, the bank returns the collateral. Mortgage means that the mortgagor takes the mortgage beneficiary of property right transfer as the repayment guarantee. After the mortgagor pays off the loan, the beneficiary immediately transfers the property rights involved to the mortgagor. In this process, the mortgagor enjoys the right to use the property.