If you buy a second-hand house, it is reasonable to pay an intermediary fee of 1% of the contract price to the intermediary after reaching a sales agreement through the intermediary.

If you buy a first-hand house (commercial house), you don't need to find an intermediary to handle the general loan procedures. The developer's sales office is assisted by a special person, and there is no charge.

Regarding the guarantee fee:

1. The guarantee rate of provident fund loans is generally 0.3 ‰-0.5 ‰ per 10,000 yuan per year (local regulations are slightly different).

2. Calculation formula of guarantee fee (when the rate is 0.4‰): loan amount *0.4‰* loan period.

For example, if you borrow 300,000 yuan from the provident fund for 20 years, then: 300,000 * 0.4 ‰ * 20 = 2,400 yuan.

3. The guarantee fee can be refunded. For example, your original repayment period was 20 years. In the ninth year, you make a one-time repayment in advance and settle the bank loan. At this time, the guarantee fee can be refunded according to the actual repayment period. The calculation formula is as follows:

300,000 * 0.4 ‰ * (20-9) =1320 yuan.

In addition, the guarantee fee is charged by the provident fund loan guarantee company and has a formal invoice.

I estimate that what the intermediary collects is not the guarantee fee, but the "loan agency fee". If you want to accept it, it should be agreed with you in advance, and you agreed. Otherwise, it is illegal.