Legal analysis: Banks will charge a certain service fee for provident fund loans, which is legal. Standard provisions for various fees required to apply for provident fund loans: 1. Insurance or guarantee fees: For pure provident fund loans, it is, loan amount × corresponding rate × loan term, for combined loans, it is, total house payment × corresponding rate × loan term; 2. Deed tax: Total house payment × 1.5; 3. Mortgage registration fee: Loan amount The provident fund loan is 80 yuan, the combined loan is 90 yuan, and an additional 10 yuan is added for the property rights; 5. Agency fee: pure provident fund loan is 200 yuan, combined loan is 250 yuan; 6. Maintenance fund: building area × 40 yuan /square meter; 7. Surveying fee: building area × 0.19 yuan/square meter.

Legal basis: "Housing Provident Fund Management Regulations" Article 26 Employees who have paid housing provident funds may apply for housing provident funds from the Housing Provident Fund Management Center when purchasing, constructing, renovating or overhauling their own homes. loan. The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center.