How to calculate the housing loan guarantee fee?
1, guarantee fee = actual loan amount * charging coefficient corresponding to the loan term (if the loan term is less than one year, it will be counted as one year).
2. There are two ways to calculate the guarantee fee. 1 is the guarantee fee for general mortgage loans. According to the calculation formula: loan amount × guarantee rate × loan period, and the guarantee rate is about 0.3‰~ 0.5‰ per 10,000 yuan per year. The second is that some cities have stipulated that the mortgage guarantee fee rate is calculated by the decreasing rate method. For example, 1.5‰ of the guarantee amount collected every year within 10 year (inclusive). From 1 1 to 20 years, 1.0‰ of the guarantee amount will be collected every year. 2 1 to 30 years, 0.5‰ of the guarantee amount will be charged annually. All the amounts add up to the total amount of guarantee. Less than 500 yuan, according to 500 yuan. There is also a guarantee fee for each household in 80 yuan.
Whether it is a provident fund loan or a commercial loan, the borrower needs to pay this guarantee. However, the guarantee fee is more or less, and personal repayment ability and credit history need to be considered. Generally, banks will review the borrower's credit history first, and also look at the borrower's loan method, and see if additional guarantee fees are needed according to the actual situation.
Do I need to pay a guarantee fee to buy a second-hand house?
1, the purchase of second-hand houses requires a guarantee fee. According to the normal process, banks can only issue housing loans if they produce mortgage certificates, and the loan certificates can only be issued after the house is transferred and the two certificates are complete. This not only makes the loan procedure cumbersome, but also makes the seller face the embarrassing situation that both the house and the property may be empty. In order to avoid this situation, the mortgage guarantee fee came into being.
2. Mortgage loan (including commercial loan, provident fund and portfolio) generally has two fees: one is mortgage registration fee, which is used for mortgage registration in the real estate bureau and charged by the bank. This is necessary. 2. Housing insurance premium, charging standard: loan amount; Term of loan. This is voluntary, and banks generally do not force it.
3. Calculation of personal housing loan guarantee fee: the premium standard is: 65438+ 0% of the annual guarantee rate of the loan principal and interest balance at the beginning of the year. The guarantee fee is charged in one lump sum when signing the loan contract. The mortgage guarantee fee is the mortgage guarantee fee as long as there is a guarantee certificate from the economic organization.