There are many kinds of loans, such as: first home loan, second-hand housing loan, provident fund loan, car loan, credit loan, mortgage loan and so on. Moreover, because each kind of loan faces different loan groups, uses, difficulties and risks, the cost of handling the corresponding loan is also very different (note that this is only the cost involved in applying for a loan). What are the costs of buying a car by loan? When applying for automobile mortgage in a bank, there is generally only interest cost. Auto financing companies generally do not charge interest fees for loans, but change their names: handling fees or management fees, which are higher than bank interest. If you buy a car by installment with a credit card, the installment fee paid is not cheaper than the previous two methods anyway. Second-hand housing loans involve costs. Second-hand housing loans generally involve intermediaries, and the fees are slightly higher. Mortgage fee (also called intermediary service fee) is generally 1%~2% of the loan amount. Because the second-hand housing loan needs real estate assessment, finding an appraisal company probably needs an appraisal fee of 1-3 (the lowest fee is 400 yuan). In addition, the second-hand house notarization fee is 1‰ of the loan amount, and the mortgage registration fee is about 100 yuan. Individual banks also collect stamp duty (less, 65438+ ten thousand 50 yuan) and insurance premium (about 0.5‰). The first home loan has three expenses at the loan level: bank interest, mortgage registration fee and notarization fee. The mortgage interest rate generally rises according to the benchmark loan interest rate, and some high-quality customers can enjoy the mortgage discount (see the bank's confirmation). Mortgage registration fees vary slightly from place to place, but most of them are between 80- 100 yuan. Commissioned notary fees are generally around 200 yuan. The cost of provident fund loans is similar to that of commercial loans, except that provident fund loans have an extra guarantee fee, and the loan interest rate is lower than that of commercial mortgages. Other types of loans involve expenses other than buying a house and a car. Other loans (credit loans, real estate mortgage, car mortgage, etc.). You can apply directly to the bank, and generally there is almost no other fee except interest. Small loan companies lend money similar to banks, but the interest rate is higher than banks. Because many times the qualifications of borrowers can't meet the requirements of banks, there is a lot of room to apply for bank loans directly. The products of small loan companies are mixed, and borrowers don't know much about them. Therefore, most people will go through the intermediary and customize the loan plan through the loan consultant.
How to calculate the handling fee of Shenzhen housing loan?
How to calculate the mortgage fee for buying a house in Shenzhen;
When mortgage or sub-mortgage is involved, the service fees of mortgage companies, appraisal companies, banks and other related institutions need to be paid. Mortgage expenses mainly include:
1. Housing survey fee: 90 yuan for each certificate shall be collected by the Housing Authority;
2. Housing appraisal fee: the appraisal price ×0.5%, which will be collected by the appraisal company. Do not need an assessment report, only the initial assessment fee 300 yuan;
3. Mortgage agency fee: the service fee charged directly by the mortgage company, with the standard of loan amount × (1%~1.5%); Different mortgage companies have different standards, which are generally 1% or1.2% of the loan amount;
4. Loan insurance premium: loan amount × 1.2×0. 1%× loan period, which shall be collected by the insurance company. The maximum term of second-hand housing mortgage loan is 20 years;
5. Notarial fee for loan contract: 300 yuan for each case;
6. Notary fee for the agreement on the mortgage contract: 300 yuan for each case;
7. Transaction entrustment notarization fee: 200 yuan per piece;
8. Bank provident fund agency fee: each case of 500 yuan is collected by the corresponding bank;
9. Registration fee for other rights: 250 yuan for each certificate (500 yuan for each certificate in Panyu) shall be collected by the Housing Authority; ;
10, loan stamp duty: loan amount ×0.005%, collected by the bank.
Among them, most banks do not charge agency fees for bank provident funds. In addition, individual banks will charge a refinancing fee, ranging from 1 1,000 yuan per case in 500 yuan.
I hope I can help you.
Is there a handling fee for buying a house with a loan?
There will be a certain handling fee for buying a house with a loan. General loan fees are charged as follows:
1. Cost: 80 yuan.
2. Transaction costs: 3 yuan will be charged per square meter for newly-built commercial houses.
3. Notarization fee: 300-600 yuan.
4. Appraisal fee: 65,438+3.5 ‰ of the appraised house price.
More about buying a house with a loan. Is there a handling fee? Go to: See more.
What are the costs of buying a house loan?
The loan fees for purchasing new houses generally include:
1. Cost: 80 yuan. The charging standard is the house ownership registration fee, and each set is charged with 80 yuan.
2. Transaction costs. New commercial housing is charged at 3 yuan per square meter.
3. Deed tax: 65438+ 0% of the purchase price (below 90 square meters, the first purchase), which is the tax to be paid by the buyer when the house is closed, that is, when the developer delivers the house.
4. Public maintenance fund: commercial housing with a unit price higher than 2,300: 2.5% of the 2,300 area; Commodity house with unit price less than 2300: 2.5% of the total house price.
5. In addition, if the buyer needs to apply for a mortgage when buying a house, the fees to be paid are as follows:
1. Appraisal fee: 0.2% of the property value.
2. Mortgage registration fee: 80 yuan per copy.
3. Insurance premium: loan amount × insurance rate × loan term.
4. Notary fee: 1.5‰× loan amount.
Need to be reminded that at present, banks in different regions charge different fees for the above-mentioned fees, and buyers of specific charging items need to conduct detailed consultation in banks that handle mortgage loans.
How much is the mortgage fee for buying a house?
Generally speaking, the mortgage cost of buying a house is 65438+ 0.2% of the total loan. The fees to be paid for the housing loan are as follows:
1. Cost: 80 yuan. The charging standard is the house ownership registration fee, and each set is charged with 80 yuan.
2. Transaction costs: 3 yuan will be charged per square meter for newly-built commercial houses.
3. Deed tax: 65438+ 0% of the purchase price (below 90 square meters, the first purchase), which is the tax to be paid by the buyer when the house is closed, that is, when the developer delivers the house.
4. Public * * * maintenance fund: commercial housing with unit price higher than 2,300 shall be paid as "2.5% of 2,300 area". Commercial housing with a unit price below 2300 shall be paid as "2.5% of the total house price".
5. Notary fee: 1.5%× loan amount.
Need to be reminded that the above fees are currently charged by banks in different regions, and buyers of specific charging items need to conduct detailed consultation in banks that handle mortgages.
Extended data
Relevant procedures to be handled in mortgage to buy a house:
1, select real estate
If buyers want to get mortgage services, they should focus on this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.
2. Loan application
After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.
3. Sign a house purchase contract
After receiving the relevant legal documents of mortgage application submitted by the buyers, the bank will issue a loan consent notice or a mortgage loan commitment letter to the buyers after examining and confirming that the buyers meet the mortgage loan conditions, so that the buyers can sign pre-sale and sales contracts with the developers or their agents.
4. After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.