The answer is as follows: 1, the commercial loan for buying a house is that the borrower finds someone to guarantee and the guarantee company needs to pay the guarantee fee. Your situation falls into the second category. 2. The amount of guarantee fee, loan amount, guarantee rate and calculation formula are: loan amount, guarantee rate: 0.2‰-0.3 ‰, which varies from place to place), the term is 20 years, the rate is 0.2‰, and the guarantee fee is 30,200 yuan. 4. The guarantee fee can be refunded. For example, borrower repayment 15. I hope the above answers are helpful to you.
Second, does a pure commercial loan require a guarantee fee?
Do you want to get a bank loan? Why should we guarantee the company? But only if you have a fixed work unit. To put it bluntly, it means asking the unit to issue a work certificate, and at the same time you have to have a personal deposit, which is quite simple.
3. Do you need to pay a guarantee fee for buying a house with a commercial loan?
In fact, buyers need to pay this deposit whether through provident fund loans or commercial loans. Of course, according to different specific circumstances, the amount paid is also different. "Why do you want to pay the money? According to its introduction, according to the borrower's credit record, the general bank needs the borrower to provide a guarantee certificate of a legal person or other economic organization or natural person with sufficient compensation ability. If the borrower can find friends or relatives who are willing to provide guarantees and have financial strength, they can issue written documents and credit certificates for the bank. If not, you need to go to a professional guarantee company, who will provide guarantee for the borrower. The fee paid at this time is the mortgage guarantee fee. At the same time, different loan time, loan amount and guarantee rate should also consider individual repayment ability. In fact, all banks will designate corresponding real estate guarantee companies according to their own access conditions to safeguard the legitimate rights and interests of banks and customers.