If you don't pay, you won't have this fee. The deceived person only heard about the agency fee, and there is no guarantee fee.
Second, do you have to pay a guarantee fee for buying a house loan?
Legal subjectivity: 1, mandatory. 2. In addition to mortgaging the house to the bank, the house purchase loan also needs guarantee (or insurance). General mortgage is to pay insurance premiums (insurance companies that have cooperative relations with banks), and provident fund loans are to pay guarantee fees (guarantee companies that have cooperative relations with provident fund management). 3. There are premiums and security fees, which are generally 0.3 ‰-0.5 ‰. If you borrow 300,000 yuan with a term of 20 years and the interest rate is 0.4‰, then the cost is 3,000,000.4 ‰ 20 = 2, 400 yuan (65,438+0.20 yuan per year). If the loan is repaid in advance, it can be repaid in advance. For example, if you paid off the loan on 12, the eight-year insurance premium (guarantee fee): 1208=960 yuan, you can pay it back.
Legal objectivity: Article 14 of the Interim Measures for the Administration of Personal Loans includes but is not limited to the following contents: (1) Basic information of borrowers; (2) The income of the borrower; (3) the purpose of the loan; (4) The source, ability and method of repayment of the borrower; (5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity. Interim Measures for the Administration of Personal Loans Article 23 A lender shall sign a written loan contract with the borrower, and if a guarantee is needed, a guarantee contract shall be signed at the same time. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.
Third, do you need to pay the guarantee fee to the intermediary for buying a house loan?
Buying a house loan does not need to pay the guarantee fee to the intermediary, but it needs to pay the loan fee. The intermediary itself does not provide guarantee, so do not pay the guarantee fee. The word "Mortgage" is a cantonese transliteration of the English word "mortgage", which refers to obtaining bank loans with real assets such as real estate or securities and contracts as collateral, and repaying the principal and interest in installments according to the contract. After the loan is paid off, the bank returns the collateral. Mortgage means that the mortgagor takes the mortgage beneficiary of property right transfer as the repayment guarantee. After the mortgagor pays off the loan, the beneficiary immediately transfers the property rights involved to the mortgagor. In this process, the mortgagor enjoys the right to use the property.
4. Do you need to pay the guarantee fee to the intermediary for buying a house loan?
The guarantee fee is not paid to the intermediary, but nominally to the guarantee company, because the intermediary can't directly help the customer borrow money from the bank, and it is operated by the company and charged by the guarantee company.
However, the guarantee company does not charge customers income. Their main income is the bank rebate for each successful loan, which can reach up to 2% or even 3% of the loan amount. Therefore, most guarantee companies will return most of the service fees (70% or even 100%) to the intermediary companies in the form of rebates in order to win more intermediaries to introduce customers to borrow money through their own companies. Even the guarantee company will not hesitate to hand over the rebate of some banks.
Having said that, you should understand what is going on.