Usually, common guarantees include joint liability guarantee and mortgage guarantee of housing loan guarantee center. Among them, the guarantee of the guarantee center involves the guarantee service fee. The standard of the guarantee fee is three thousandths of the loan amount, with a charge of 300 yuan, 9.8 fold for personal credit evaluation AA and 9.5 fold for personal credit evaluation AAA.
(2) Housing appraisal fee
At present, new houses are exempt from assessment, and second-hand houses need to assess the value of collateral. The fees involved will be charged at three thousandths of the appraised value, and the charge is 300 yuan, 1500 yuan.
Charge standard of mortgage guarantee fee
Calculation of mortgage guarantee fee
1. The guarantee rate of commercial mortgage loans is generally 0.3 ‰- 0.5 ‰ (local regulations are slightly different).
2. Calculation formula of loan guarantee fee (when the rate is 0.4‰): the loan amount is 0.4‰ for the loan period.
For example, if Mr. Wang borrows 300,000 yuan for 20 years, then: 3,000,000.4 ‰ 20 = 2,400 yuan.
3. The guarantee fee can be refunded. For example, Mr. Wang's original repayment period was 20 years. In the ninth year, he made a one-time repayment in advance and settled the bank loan. At this time, the guarantee fee can be refunded according to the actual repayment period. The calculation formula is as follows:
3000000.4‰(20-9)= 1320 yuan.
How to calculate the mortgage guarantee fee
1. Calculation method of mortgage loan guarantee fee: the guarantee rate of mortgage loan is generally 0.3 ‰-0.5 ‰ per year, and the calculation formula is: mortgage loan guarantee fee = loan amount guarantee rate loan period. Suppose the interest rate is 0.4‰, the loan is 500 thousand, and it will be paid off in 20 years. Then the guarantee fee to be paid is: 500.4‰20=0.4 million yuan, and the mortgage guarantee fee with different loan amount and term can be calculated in this way;
2. In addition to the above-mentioned methods for calculating the mortgage loan guarantee fee, some places now directly stipulate the mortgage loan guarantee fee rate as follows: the guarantee service fee adopts the method of decreasing the rate, accumulating by sections and charging at one time according to the guarantee amount. 1-10 years (including10 years) shall be charged at 0.5‰ of the insured amount of 65438+ every year; 1 1-20 years (including 20 years) shall be charged at 0.0‰ of the insured amount of 65438+ every year; 2 1-30 years (including 30 years) shall be charged at 0.5‰ of the guaranteed amount every year. The total amount of guarantee service fees is the sum of each guarantee service fee, and those less than 500 yuan will be charged according to 500 yuan. The guarantee fee is charged according to the 80 yuan of each household.
How to calculate the mortgage guarantee fee of 20 19?
Calculation of mortgage guarantee fee
1. The guarantee rate of commercial mortgage loans is generally 0.3 ‰- 0.5 ‰ (local regulations are slightly different).
2. Calculation formula of loan guarantee fee (when the rate is 0.4‰): the loan amount is 0.4‰ for the loan period. For example, if Mr. Wang borrows 300,000 yuan for 20 years, then: 3,000,000.4 ‰ 20 = 2,400 yuan.
3. The guarantee fee can be refunded. For example, Mr. Wang's original repayment period was 20 years. In the ninth year, he made a one-time repayment in advance and settled the bank loan. At this time, the guarantee fee can be refunded according to the actual repayment period. The calculation formula is: 3000000.4‰(20-9)= 1320 yuan.
How to calculate the mortgage guarantee fee
1. Calculation method of mortgage loan guarantee fee: the guarantee rate of mortgage loan is generally 0.3 ‰-0.5 ‰ per year, and the calculation formula is: mortgage loan guarantee fee = loan amount guarantee rate loan period. Suppose the interest rate is 0.4‰, the loan is 500 thousand, and it will be paid off in 20 years. Then the guarantee fee to be paid is: 500.4‰20=0.4 million yuan, and the mortgage guarantee fee with different loan amount and term can be calculated in this way;
2. In addition to the above-mentioned methods for calculating the mortgage loan guarantee fee, some places now directly stipulate the mortgage loan guarantee fee rate as follows: the guarantee service fee adopts the method of decreasing the rate, accumulating by sections and charging at one time according to the guarantee amount. 1-10 years (including10 years) shall be charged at 0.5‰ of the insured amount of 65438+ every year; 1 1-20 years (including 20 years) shall be charged at 0.0‰ of the insured amount of 65438+ every year; 2 1-30 years (including 30 years) shall be charged at 0.5‰ of the guaranteed amount every year. The total amount of guarantee service fees is the sum of each guarantee service fee, and those less than 500 yuan will be charged according to 500 yuan. The guarantee fee is charged according to the 80 yuan of each household.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.
How to calculate the mortgage deposit?
The "deposit" mentioned should be the guarantee fee. At present, the housing provident fund loan is guaranteed by the housing home purchase guarantee company, so the guarantee fee is generally 1%.
Personal loans to buy a house do not require a deposit, because the house is mortgaged. But there will be other conditions, such as checking credit records or income certificates.
Calculation of bank's prepayment of individual housing loan interest;
There are certain requirements for banks to repay loans in advance, and they must wait until the loan term expires 1 year before applying for early repayment; When the borrower repays the loan in advance, it needs to make an appointment 15 days in advance; The minimum amount of prepayment of ICBC housing loan is not less than 30,000 yuan; And there are only two opportunities for early repayment every year.
Banks charge interest on the prepayment of individual housing loans according to the prescribed interest rate and the actual number of days occupied; If the borrower repays all the loan principal in advance, it shall settle all the interest. Among them, "actually occupied days" refers to the days from the loan date to the early repayment date or the days from the repayment date of last month to the early repayment date.
Extended data:
When issuing loans, banks often require borrowing enterprises or guarantee enterprises to provide a certain amount of deposit, ranging from 5% to 20%. This kind of deposit is generally paid into the special account opened by the enterprise (borrowing enterprise or guarantee enterprise) in the bank. The ownership of this money belongs to the enterprise, but the enterprise cannot use it. Only when the corresponding loan is repaid on time can this deposit be returned to the provider. Of course, banks sometimes pay the corresponding deposit interest at the same time.
Article 8 of the Announcement of the People's Bank of China on Prohibiting Illegal Interest Rate Raising clearly stipulates: "It is strictly forbidden for financial institutions to raise the deposit and loan interest rates without authorization, or to raise the deposit and loan interest rates in disguise by means of handling fees, agency fees, prize-winning deposits, loan deposits and interest reserves, as well as additional handling fees and consulting fees." Advance loan deposit is only an act of raising the loan interest rate in disguise.