Second-hand house loan fees

Fees involved in second-hand house loans

1. Guarantee fee (charged by the guarantee company that cooperates with the bank): 5% of the loan amount .

2. Appraisal fee (charged by the appraisal company that cooperates with the bank to make an appraisal report on the loaned house): five thousandths of the appraised price.

3. Other fees (loan mortgage registration fee, charged by the real estate bureau): two thousandths of the loan amount.

4. The notary fee is calculated based on the price of the house, with a minimum charge of 200 yuan.

5. Research fee (charged by the guarantee company that cooperates with the bank) 500-2,000 yuan.

The loan appraisal price is generally about 90% of the house price. The maximum loan amount for a first home loan is 70% of the appraised value of the loan.

Legal basis:

"Urban Real Estate Management Law of the People's Republic of China"

Article 36 When transferring or mortgaging real estate, the parties shall comply with Registration of ownership rights shall be carried out in accordance with the provisions of Chapter 5 of this Law.

Article 62 When mortgaging real estate, mortgage registration shall be carried out with the department specified by the local people's government at or above the county level. If the land use rights and house ownership are obtained due to the disposal of mortgaged real estate, the transfer registration shall be carried out in accordance with the provisions of this chapter.

How much is the mortgage service fee for second-hand houses?

House prices in each region are getting higher and higher. Many people choose to buy second-hand houses to reduce the pressure of buying a house, so second-hand houses are in the market Very popular online. So how much does it cost to service a second-hand home mortgage? Let’s take a look with the editor below.

1. How much is the second-hand house mortgage service fee?

The details of the second-hand house mortgage service fee are as follows: 1. Bank mortgage notary fee: The mortgage notary fee is 1% of the loan amount, but if If the mortgage notarization fee is calculated to be less than 200 yuan, it will also be levied at 200 yuan; 2. Mortgage contract cost: the contract cost is 380 yuan per unit; 3. Commercial house value appraisal fee: The commercial house value appraisal fee is the total 3-5 of the house price.

2. What should you pay attention to when buying a second-hand house?

1. First, verify the identity of the seller of the second-hand house. For example, if it is an individual sale, you need to see the ID card of the seller, if it is a unit sale, then Go to the local industrial and commercial bureau to check its file information. In addition, if the seller has an agent, check whether the agent has a notarized power of attorney.

2. Go to the Housing Authority to check the seller’s property certificate to see if the house is owned by the public owner. If so, the seller should provide all the owners. identity documents, etc. Secondly, if the couple owns property together, the house seller must provide proof that the spouse agrees to sell the house.

3. If you buy a second-hand house through an intermediary, you must go to a regular intermediary to buy it, and you should also check whether the intermediary has two certificates. The two certificates are a business license issued by the industrial and commercial department, and the other certificate is an intermediary agent qualification certificate issued by the Housing and Land Administration Bureau.

4. When the second-hand house is a public house, you must first understand whether the public house is a standard price. If it is a standard price, you only need to make up the difference on the basis of the price. Secondly, because public housing units have the first right to purchase, the seller should provide a written opinion that the unit has given up the right to purchase the house.

Editor’s summary: The editor has introduced the mortgage service fee for second-hand houses here. When buying a second-hand house, you must be clear about whether the property rights of the house are clear and whether the house exists.

What are the mortgage fees for buying a second-hand house?

Mortgage fees

When it comes to mortgage or remortgage, you need to pay mortgage companies, appraisal companies, banks and other related institutions. Service Fees. Mortgage fees mainly include:

1. House investigation fee: 90 yuan per certificate, collected by the housing authority;

2. House appraisal fee: appraisal price × 0.5, charged by the appraisal company Charge.

If an appraisal report is not required, only an initial appraisal fee of 300 yuan will be charged;

3. Mortgage agency fee: the service fee directly received by the mortgage company, the standard is loan amount × (1~1.5); different The standards implemented by mortgage companies are different, and the more common ones are 1 or 1.2 of the loan amount;

4. Loan insurance premium: loan amount × 1.2 × 0.1 × loan period, charged by the insurance company, for second-hand housing mortgage loans The maximum term is 20 years;

5. Notarization fee for loan contract: 300 yuan per case;

6. Notarization fee for remortgage contract agreement: 300 yuan per case;

7. Transaction entrustment notarization fee: 200 yuan per case.

Extended information:

Repayment method:

1. Equal principal and interest

This is the most common and long-term recommendation of most banks way. Add the total principal and interest of a mortgage and spread it evenly over each month of the repayment term. As a repayer, you pay a fixed amount to the bank every month, but the proportion of principal in the monthly repayment increases month by month, and the proportion of interest decreases month by month.

2. Equal-amount principal

1. The so-called equal-amount principal repayment is also called the interest-following principal repayment method and the equal-amount principal repayment method. The lender spreads the principal into each month and pays off the interest between the last transaction day and the current repayment date. Compared with equal principal and interest, this repayment method has a lower total interest expense, but more principal and interest are paid in the early stage, and the repayment burden decreases month by month.

2. For example, if you borrow 200,000 yuan from the bank with a repayment period of 15 years and choose equal principal repayments, you need to repay the bank principal of about 1,111 yuan every month, and the first month’s interest is 918 yuan, a total of 2,200 yuan was repaid to the bank in the first month. Subsequently, the principal repayment remained unchanged every month, and the interest gradually decreased with the return of the principal.